NASCAR® Credit Card from Credit One Bank®

Robin Saks Frankel  in  Cash Back How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website
Annual Fee:
$0 - $99
Purchase Intro APR:
Regular APR:
17.99% to 23.99% Variable
Terms and Restrictions Apply | Rates and Fees

Bankrate Rating

If you’re a die-hard and responsible racing fan pondering whether to apply for the Credit One Bank NASCAR Credit Card, you might want to consider shifting gears to choose a different card instead.


Launched in February 2016, the NASCAR card is aimed at racing super fans. Cardholders get a fat 2% back on all purchases at the NASCAR Shop. But even the most loyal fans will have a hard time earning much in the way of rewards.

Consider a pricey set of signed racing helmets. They’ll set you back $1,299. You’ll earn about $26 on purchase. That’s not a win worthy of a victory lap.

The card’s sign-up page also says you can earn 1% back on qualified purchases, and access to discounts and promotions, but it’s unclear just what cardholders might receive. The card terms and conditions says cardholders will receive 1% cash back “on all eligible purchases.”

Credit One Bank mostly supplies a mix of secured and unsecured credit cards to customers with damaged or thin credit. The issuer’s fees and features tend to be opaque.

If you have excellent credit, you can do better than the offered interest rate and earn better cash-back rewards. For those who are rebuilding credit, a high annual fee is likely to eat into whatever credit limit you’re granted. If you only given a credit limit of $300, but the annual fee is $99, you’re only left with $201 of useable credit.

If you’re paying your bill in full every month (and you always should) then the high APRs with this card won’t really matter, but you can still do better with a flat-rate rewards card that offers cash-back on all, and not just the unspecified “eligible” purchases of this one.

Who should own this card

A NASCAR fan who doesn’t mind the less-than-stellar terms offered by this card and can pay their bill on time and in full every month.


  • This card pays 2% cash-back on all NASCAR Shop purchases.
  • Eligible purchases earn 1% back.
  • Those with excellent credit won’t have to pay an annual fee.


  • The rewards program is limited and terms are unclear.
  • For those who have to pay an annual fee, it can seriously eat into their credit limit.
  • There’s a fee to pay your bill through the Website or via telephone.
  • There’s a foreign transaction fee of $1 or 3% of each purchase in U.S. dollars, whichever is greater.
  • You might be charged a fee of up to $49 if you request a higher credit limit.
  • Each authorized user you add to the card will cost $19.

Fees and APR

• Depending on your creditworthiness, your variable APR will be between 19.49% to 25.49%.
• Depending on your creditworthiness, you could pay an annual fee anywhere from of $0 to $95 the first year and $0 to $99 thereafter.
• You’ll pay a $1 or 3% foreign transaction fee on all purchases made outside the U.S., whichever is greater.
• Late payments won’t affect your APR, but you may have to pay a late fee of up to $37.

Extras, perks and using points

This card comes with travel accident and auto rental collision insurance from Visa.

Cash-back rewards will automatically appear as a statement credit each month on your account. There is no fee to redeem your rewards.