
Credit One Bank® NASCAR® Credit Card
Rewards rate
1%–2%Annual fee
$39-$99Intro offer
N/ARegular APR
24.24% VariableRecommended Credit Score
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2.1
Rewards rate
1%–2%Annual fee
$39-$99Intro offer
N/ARegular APR
24.24% VariableRecommended Credit Score
Bad to Fair (300 - 670)This card no longer exists
For racing fans, the *Credit One Bank® NASCAR® Credit Card can seem enticing. You’ll get access to deals and experiences from NASCAR, as well as earn rewards for all your eligible purchases. Plus, its annual fee depends on your creditworthiness, which could be a good or a bad thing. In this article, we break down everything about this entertainment credit card to help you decide whether it’s right for you.
The official NASCAR Credit Card from Credit One Bank doesn’t have a welcome offer at this time. Some cards will give you an additional bonus after sign-up and spending a specific amount of money, but the NASCAR credit card doesn’t have that type of offer.
You’ll get the most cash back when you spend money at the NASCAR shop, but all eligible purchases are rewarded with cash back. Here’s a breakdown of the rewards program with the NASCAR Credit Card.
With this card, you’ll get 1 percent cash back on eligible gas and automotive purchases. Additionally, you’ll earn 2 percent cash back on anything you buy at the NASCAR Shop—from apparel to accessories to collectibles. You can also earn up to 10 percent more in cash back rewards when you buy from participating merchants.
With this card, you don’t have to worry about redeeming points. Any cash back you earn is automatically credited to your credit card account.
There are several notable benefits to the NASCAR Credit Card. We highlight the most important ones here.
If you’re a NASCAR fan, you can get cash back on all your NASCAR Shop purchases, as well as all other eligible purchases. Those rewards will get credited to your account automatically.
You can earn up to 10 percent cash back when you buy items from participating merchants. The current offers rotate, and you can find out what they are at any time by checking the More Program website.
If you’re looking for discounts and experiences from participating NASCAR merchants, this card can be a good choice for you. Also, you can get a discount for a membership with the Official NASCAR Members Club.
Through Visa, you can access deals from varying merchants on items from clothing to food to travel. Check the Visa website to see what discounts are available.
With the Credit One Bank app, you’ll have access to banking on the go. The app has gotten good reviews from customers for both Apple and Android, so it should make for a pleasant mobile banking experience.
The APR for the card is average, at 24.24 percent variable depending on your creditworthiness. One unusual feature about this card is that the annual fee also depends on your credit. The annual fee could be a few dollars less expensive for the first year, but whether you are charged $39 or $99 depends on how good your credit score is.
Additionally, if you swipe the NASCAR Credit Card overseas, you’ll pay either $1 or 3 percent of the foreign transaction—whichever is the higher of the two.
Overall, the rewards program is lower than many other cards since you only get a maximum of 2 percent cash back, and there’s no welcome offer.
Annual fee
$39-$99Intro offer
N/ARewards rate
1%–2%Recommended credit
Bad to Fair(300 - 670)Annual fee
$95Intro offer
$350Rewards rate
1%–6%Recommended credit
Good to Excellent(670 - 850)Two other entertainment credit cards worth considering are the Blue Cash Preferred® Card from American Express and The Marvel Mastercard. The Blue Cash Preferred Card has the best rewards rate at 6 percent cash back—which you can get for select U.S. streaming services or at U.S. supermarkets (up to $6,000 per year, then 1 percent). If you’re a Marvel fan, the Marvel Mastercard also has a better rewards rate than the NASCAR Credit Card, at 3 percent cash back on things like entertainment and Marvel.com purchases.
Also, you won’t pay an annual fee with the Marvel credit card, however you’ll pay a $95 annual fee for the Blue Cash Preferred. Thus, you will pay more for the annual fee with the NASCAR card, but it depends on your credit.
The NASCAR Credit Card could work well with a travel rewards card. Since it charges a foreign transaction fee, having a card you can swipe overseas without paying an additional charge would be useful. Or you could try to pair the card with one that offers higher rewards incentives.
This card could work well for any NASCAR fan that appreciates shopping at the official NASCAR Shop—that’s how you’ll get the most rewards. Also, if you have bad credit, you can still get this credit card, so if you’re having a hard time qualifying elsewhere, it might be an option for you. However, if you’re not a NASCAR fan, you can find a better cash back program with another card.
The information about the Credit One Bank® NASCAR® Credit Card and The Marvel Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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