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Official NASCAR® Credit Card from Credit One Bank® review
If you’re a passionate NASCAR fan, you might like the rewards you’ll earn for NASCAR Shop purchases. Otherwise, a flat-cashback card might pay off.
Before applying for this card, thoroughly review its terms. Your annual fee and interest grace period is determined after you apply. This is a common but frustrating reality of many subprime cards, and it could make you pay more out-of-pocket than you expect.
Rewards: Cash back at NASCAR Shop and select purchases.
You’ll receive double cashback rewards at NASCAR Shop. You’ll also receive 1% cash back on select purchases depending on your credit.
Your 1% cashback rewards depend on your credit
Credit One Bank offers different rewards for excellent credit versus average or rebuilding credit.
1% cash back on eligible purchases as determined by Credit One Bank
1% cash back on eligible automotive and gas purchases
1% cash back on eligible automotive and gas purchases
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Enjoy $0 liability for fraudulent purchases, text and email alerts near your payment due date, free Experian credit score reporting and the ability to pick your payment due date.
You’ll periodically receive opportunities to increase your credit line for a potential fee.
What to watch out for
Annual fee depends on your credit and Credit One Bank’s decision.
You’ll pay an annual fee of $0 to $99, depending on your creditworthiness.
The annual fee is billed to your account and reduces your credit line until it’s paid off.
For the second and subsequent years, Credit One Bank may divide the annual fee into 12 portions and bill you monthly.
If you have average or are rebuilding credit, your purchase APR will be as high as 25.99% variable. Consider paying off your balance in full each month to avoid accruing a lot of interest.
You may or may not have a grace period.
After you apply for the card, Credit One Bank decides whether your account has a grace period. If you don’t receive a grace period, the bank starts charging interest on purchases immediately. This is a highly unusual practice, as virtually all credit card providers offer grace periods.
Fee for Express Payment.
If you make an express payment on your card bill — which typically means a portion of your payment is available within two days — you’ll be charged $9.95 per transaction. You may use a debit card, ATM card or bank account. There is no fee if you use the standard payment option, but you can use only a bank account, and your payment may take seven days to post.
Potentially high cash advance fees.
You may receive a cash advance fee of $5 or 8%, whichever is greater, or $10 or 3%, whichever is greater. The former rate is higher than average — typically, the cash advance rate is 5% of the transaction.
Late- and returned-payment fees.
For each late or returned payment, you’ll pay a fee of up to $39 (terms apply).
To apply for the Official NASCAR® Credit Card from Credit One Bank®, you must be at least 18 years old.
Name and mailing address
Email address and phone number
Social Security number and date of birth
Total monthly income
What credit score do I need?
You’re welcome to seek prequalification for this card even if you’re rebuilding credit. The higher your credit score, the better approval odds you’ll have.
What do customers say about the Official NASCAR® Credit Card from Credit One Bank®?
Some customers say they’ve received decent credit-limit increases while they’ve had the card. Other customers warn it’s difficult to make payments, mentioning the express payment option costs $9.95 per transaction.
Credit One Bank has an A- rating from the Better Business Bureau (BBB). The average of its customer reviews hovers around 1 out of 5 stars. It has over 1,200 customer complaints.
How long will it take to get my Official NASCAR® Credit Card from Credit One Bank®?
It may take a few days or weeks before you hear back about your application. Check the status of your application by clicking Application status on the Credit One Bank homepage.
If you’re approved, you’ll likely receive your card by mail within seven to 10 business days.
I got the card. Now what?
Check your card terms. You’ll receive them along with your mailed card. In particular, understand your annual fee, purchase APR, rewards and whether you have a grace period on interest.
Set up your online account. Go to the Credit One Bank homepage and click Set up online account access to create an account. This lets you view your balance, check upcoming payment dates and make payments online.
Decide if you want to make Standard Payments or Express Payments on your card bill. Standard payments have no fees but take up to seven days to complete. Express payments complete faster but cost $9.95 per transaction.
Avoid interest. If you have a grace period on interest, consider paying off your balance in full each month. This helps you avoid accruing interest at a high APR.
Avoid fees. You may have a higher-than-average cash advance fee. Foreign transactions, late payments and returned payments will lead to fees as well.
Contact customer service. Call 877-825-3242 to reach Credit One Bank customer support.
The Official NASCAR® Credit Card from Credit One Bank® could be a good choice for big NASCAR fans. Due to its opaque terms, consider another card if you’re rebuilding credit.
Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.
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