What is the average credit score needed to get approved for the Credit One Bank® NASCAR® American Express® Credit Card?

You need average to excellent credit to qualify for this card.

Does the Credit One Bank® NASCAR® American Express® Credit Card report to all three credit bureaus?

Yes, Credit One reports to all three credit bureaus monthly.

Is the Credit One Bank® NASCAR® American Express® Credit Card application process lengthy? Can you prequalify?

You can <a href="https://www.creditonebank.com/pre-qualification/data-entry/index" target="_blank">check if you prequalify</a> for a Credit One Bank® NASCAR® American Express® Credit Card website.

What information is needed to apply for a Credit One Bank® NASCAR® American Express® Credit Card?

For your initial application, you need to provide your name, mailing address, email, phone number, Social Security number, date of birth and total monthly income.

Does theCredit One Bank® NASCAR® American Express® Credit Card have good customer service or satisfaction?

According to <a href="https://www.jdpower.com/business/press-releases/2020-us-credit-card-satisfaction-study" target="_blank">J.D. Power’s Credit Card Satisfaction survey</a>, Credit One Bank has poor customer satisfaction and ranks lowest among 11 national issuers.

Does the Credit One Bank® NASCAR® American Express® Credit Card have a mobile app or the option to pay or manage your account online?

Yes, they have a <a href="https://www.creditonebank.com/card-benefits" target="_blank">mobile app</a> that you can use to manage your account on the go.

Does the Credit One Bank® NASCAR® American Express® Credit Cardne Bank raise credit limits automatically or charge for limit increases?

You can receive a credit limit increase or you can request one. Another benefit you can receive is automatic account reviews to increase your credit limit.

Does the Credit One Bank® NASCAR® American Express® Credit Card offer the option to freeze your credit/account or have other security features?

Credit One Bank offers zero fraud liability, which means that you are protected from unauthorized charges in case your card is lost or stolen. Cards also have an EMV chip technology to fend counterfeiting.

Does Credit One Bank offer other credit cards besides the NASCAR® American Express® Card?

Yes, they offer Credit One Bank® Platinum Visa®, Credit One Bank® Platinum X5 Visa®, Vegas Golden Knights Credit Card and more.

Credit One Bank® NASCAR® American Express® Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Credit One Bank® NASCAR® American Express® Credit Card
A good cash back credit card for NASCAR fans with average to excellent credit
- 1% Cash BackRewards Rate
- 28.99% VariableAPR
- $39Annual Fee
- FairRecommended Credit
We recommend this American Express credit card from Credit One Bank to NASCAR fans who wish to earn cash back and get NASCAR-related discounts. Depending on your credit score, you might qualify for a no-annual-fee card. Those with average credit need to pay a nominal annual fee.
All purchases you make using the NASCAR Credit Card from Credit One Bank come with unlimited 1% cash back. Cardholders get free access to Scanner via desktop and through the NASCAR mobile app. You also stand to benefit through discounts on select NASCAR race tickets, parking, merchants and other race experiences.
Using this card outside of the U.S. might not be in your best interest because you’ll need to pay foreign transaction fees. You’ll also need to think twice about carrying balances because of the card’s relatively high APR.
Pros
No annual fees for cardholders with excellent credit
Unlimited 1% cash back
NASCAR discounts
Free access to NASCAR Scanner

Cons
Annual fee for people with average credit
Foreign transaction fees
High standard APR
$0 annual fees if you have excellent credit, and $39 otherwise
Earn unlimited 1% cash back
Cash back automatically credited to your account
Use NASCAR Scanner to listen to all NASCAR Cup Series races and live team communication
Get discounts of select race tickets, merchants, parking and more
3% foreign transaction fees
High standard APR
Zero fraud liability
Access to American Express offers
Retail protection coverage
Free access to credit score
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

WHY TRUST OUR REVIEWS

When MoneyGeek reviews credit cards, we thoroughly examine each card using our six-step process. MoneyGeek also reevaluates credit card rankings monthly, has standardized scoring for comparing data, establishes three-year values of each card and estimates average spending profiles for consumers.

Credit One Bank’s NASCAR® American Express® Card best fits individuals who are NASCAR fans and want to redeem unlimited 1% cash back rewards. NASCAR fans can also use exclusive benefits like deals and discounts from NASCAR merchants along with double cash back for NASCAR Shop purchases. The card has an annual fee of $0–$39 based on creditworthiness but comes with a high variable APR of 28.99%.

Credit One Bank® NASCAR® American Express® Credit Card Overview

Get 1% cash back on eligible gas and automotive purchases plus 2% cash back rewards at the NASCAR Shop. NASCAR fans have exclusive access to discounts, experiences and deals from participating NASCAR merchants. You can even get a discounted membership with the Official NASCAR Members Club.

Quick Take

$0 annual fees if you have excellent credit, and $39 otherwise
Earn unlimited 1% cash back
Cash back automatically credited to your account
Use NASCAR Scanner to listen to all NASCAR Cup Series races and live team communication
Get discounts of select race tickets, merchants, parking and more
3% foreign transaction fees
High standard APR
Zero fraud liability
Access to American Express offers
Retail protection coverage
Free access to credit score

Important Card Details

Before deciding on a credit card, read the fine print to learn about annual fees, late fees, foreign transaction fees and APRs that come with applying for the card.

APR
The Credit One Bank® NASCAR® American Express® Credit Card has a high variable APR of 28.99% for purchases and cash advances, but this may vary based on the market’s prime rate.
Annual Fee
The annual fee for this card is $0–$39 depending on your creditworthiness. This is refundable only if you cancel your account and have no transactions.
Foreign transaction fees
Since the foreign transaction fee for this card is 3% of the total amount, you’ll pay $3 for every $100 spent outside the US. Or, you’ll need to pay $1 of each purchase in US dollars, whichever is greater.
Late Fees
Payments that are overdue could cost you $39.

Additional Benefits

Credit One Bank’s NASCAR® American Express® Card offers additional features that can enhance your experience while using the card and help you improve your financial wellness.

Customize your financial experience: If you need to adjust your payment due date to accommodate other expenses like utilities, loans or mortgages, this card may be for you. Credit One Bank offers flexible payment due dates.
Free online access to Experian: Cardholders who need to regularly track their credit report, want to know more about its important details and check their credit score can benefit from this feature.
Mobile app: Individuals who are constantly on the go, travel frequently or live far from a bank will enjoy this feature. Instead of waiting in long lines at the bank or traveling to a bank, you can enjoy online access to manage your account and pay bills through Credit One Bank’s mobile app.
Protection from unauthorized charges: If your card is ever lost or stolen, Credit One Bank offers zero fraud liability to protect you. The card also has EMV chip technology to combat counterfeiting.

How the Credit One Bank® NASCAR® American Express® Credit Card Compares To Other Cards

You can determine whether the Credit One Bank® NASCAR® American Express® Credit Card is right for you based on your budget and needs. The card has a high APR and foreign transaction fee. However, it offers unlimited cash back on your purchases. That said, a different card might offer better rewards with lower fees.

How the <cardname> Compares

Credit One Bank® NASCAR® American Express® Credit Card

Cash Back Rewards Rate: Unlimited 1% cash back
APR: 28.99% variable
Foreign Transaction Fee: 3% per transaction
Overall Customer Satisfaction: Ranks lowest among national card issuers
Mini Verdict: Best for NASCAR fans who want a simple rewards program from their credit card

Blue Cash Preferred® Card from American Express

Cash Back Rewards Rate: 3% for US gas stations and up to 6% for selected supermarkets
APR: 0% for first year but 18.99% – 29.99% for the following years
Foreign Transaction Fee: 2.7% per transaction
Overall Customer Satisfaction: Ranks highest among national card issuers
Mini Verdict: Best for individuals who cook at home and drive often

Frequently Asked Questions

sources

Credit One Bank. "Disclosures and Terms & Conditions for Credit One Bank's Credit Cards and Credit Protection Program." Accessed May 17, 2023.
Credit One Bank. "Features and Benefits Offered by Credit One Bank." Accessed December 14, 2021.
Credit One Bank. "Making Progress: How Often Does Your Credit Score Update?." Accessed December 14, 2021.
Credit One Bank. "Official Credit Card of NASCAR." Accessed March 18, 2022.
J.D. Power. "U.S. Credit Card Statistics." Accessed December 14, 2021.
J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed December 14, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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MoneyGeek’s Take

Credit One Bank® NASCAR® American Express® Credit Card Review

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