No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Honestly that depends on the type of loan you are in and it's particular terms.
Most car loans are simple interest loans so any amount you pay "over" immediately gets credited to the Principal balance and your interest accrual adjusts accordingly.
You may have a lender with pre payment penalties and the like, you need to call them.