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 check if you prequalify 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 J.D. Power’s Credit Card Satisfaction survey , 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 mobile app 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.

MoneyGeek's Take

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

NASCAR fans looking to build credit, get cash back and gain exclusive NASCAR Shop rewards should consider applying for the Credit One Bank® NASCAR® American Express® Credit Card. This card also offers discounted memberships at the Official NASCAR Members Club.

Advertising & Editorial DisclosureLast Updated: 1/19/2023

Reviewed By

Credit One Bank® NASCAR® American Express® Credit Card

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

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 27.74%.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Fair

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Credit One Bank® NASCAR® American Express® Credit Card at a Glance

The Credit One Bank® NASCAR® American Express® Credit Card offers cash back rewards, free online access to your credit score and protection from unauthorized charges. NASCAR fans also benefit from exclusive discounts and deals.

Credit One Bank® NASCAR® American Express® Credit Card
A good cash back credit card for NASCAR fans with average to excellent credit
- FairRecommended Credit
- $39Annual Fee
- 1% Cash BackRewards Rate
- 1xRewards Rate on Gas
- NoneRewards Rate on Groceries
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.

Pros & Cons Explained

Comparing the Credit One Bank's NASCAR® American Express® Card’s pros and cons will help you determine if this is the right card for you.

Pros

Benefits
Description
Cash back rewards
Cardholders can redeem 1% cash back with the Credit One Bank® NASCAR® American Express® Credit Card. Rewards are unlimited.
Exclusive deals for NASCAR fans
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.
No security deposit required
Other banks require security deposits so that you can apply for a credit card. But, if you have no credit or poor credit, the Credit One Bank® NASCAR® American Express® Credit Card allows you to rebuild your credit without one.
Monitor Your Credit
Get access to your Experian credit score to see how your score is improving or if it needs a boost.

Cons

Drawbacks
Description
High APR
It’s best to fully pay your bill each month to avoid paying increased costs since this card has a high APR of 27.74%.
High foreign transaction fees
Cardholders who use the NASCAR® American Express® Card outside of the U.S. will have to pay 3% in transaction fees.
Late fees
If your payment is late more than once within six months, you might end up paying a $39 fee.
Low customer satisfaction ranking
According to J.D. Power’s Credit Card Satisfaction Study, Credit One Bank ranks last among national credit card issuers.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

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Bonuses & Rewards Explained

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.

Cash back rewards

Eligible purchases from participating merchants for your cash back and exclusive NASCAR deals.

Auto rewards redemption

Qualified purchases are automatically credited to your account.

NASCAR discounts

Cardholders can access exclusive NASCAR discounts for tickets, merchants, parking and other race experiences.

Free Scanner access

You can access Scanner for free on your desktop or mobile device throughout the 2022 race season.

Other Features Explained

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.

Card Feature
Description
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.

MONEYGEEK QUICK TIP

To maximize your 1% cash back rewards, use your Credit One Bank® NASCAR® American Express® Credit Card for gas and automotive purchases at participating gas stations and auto supply stores. You can also get your double cash back for purchases at the NASCAR Shop at NASCAR.com.

Understanding the Fine Print

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.

Card Feature
Amount or Rate
APR
27.74% variable
Annual Fee
$39
Cash Back Rewards
Rewards Rate
1% Cash Back
Airline Benefits
Rewards Rate on Groceries
None
Rewards Rate on Gas
1x
Rewards Rate on Dining
None
Rewards Rate on Entertainment
None
Rewards Rate on Online Shopping
None
Rewards Rate on TV, Phone, Internet Services
None
Rewards Rate on Air Travel
None
Rewards Rate at Hotels
None
Balance Transfer Fee
Unspecified
Balance Transfer APR
Unspecified
Late Fees
up to $39
Cash Advance Fee
$5 or 8%, whichever is greater.
Cash Advance APR
27.74% variable
Foreign Transaction Fee
$1 or 3% of each purchase in U.S. dollars, whichever is greater

APR
The Credit One Bank® NASCAR® American Express® Credit Card has a high variable APR of 27.74% 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.

WHERE TO FIND THIS INFORMATION?

Determine how the Credit One Bank® NASCAR® American Express® Credit Card stacks against other gas credit cards for annual fees, APR and other benefits. Learn more about reviews, features and if you qualify for the Credit One Bank® NASCAR® American Express® Credit Card on Credit One Bank’s website. You can also find additional information on the credit card agreement database managed by the Consumer Financial Protection Bureau (CFPB).

Who Should & Shouldn’t Consider Credit One Bank® NASCAR® American Express® Credit Card?

Other Considerations for Credit One Bank® NASCAR® American Express® Credit Card

There are certain implications in terms of whether you have the NASCAR® American Express® Card as your only credit card or an additional credit card. Here’s what you should keep in mind.

Things to Consider if This Will Be Your First or Only Credit Card

The Credit One Bank® NASCAR® American Express® Credit Card has a high APR of 27.74%, which means that you’ll pay more if you don’t pay your bill in full each month. However, this card will benefit you if you can pay your balance on time and want to get 1% cash back with gas and automotive purchases.

Keep in mind that this card requires average to excellent credit, which you may not have if this is your first card. As a result, you may want to build your credit score before applying.

Things to Consider if This Will Be an Additional Card in Your Wallet

Since this card has high foreign transaction fees with a 3% charge per transaction, consider other cards in your wallet for purchases abroad.

Also, consider your credit score prior to applying. Your creditworthiness will impact if you have to pay a fee for this card. If your credit score isn’t excellent, take the time to consider whether the $39 per year fee is worth adding the card to your wallet based on the benefits the card offers.

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.

How 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.

Quick Comparison of Credit One Bank® NASCAR® American Express® Credit Card

Credit One Bank® NASCAR® American Express® Credit Card

Cash Back Rewards Rate: Unlimited 1% cash back
APR: 27.74% 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 18.24% – 29.24% 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

Other Helpful Decision-Making Q&As

Below are answers to frequently asked questions about the Credit One Bank® NASCAR® American Express® Credit Card to help you decide if it’s the right card for your wallet.

Still not sure about this card? Consider these options.

Consider travel credit cards or rewards credit cards if you’re not a NASCAR fan or prefer rewards outside of gas and automotive cash back. There are also alternative gas credit cards available.

Learn more about credit cards in general

sources

Credit One Bank. "Disclosures and Terms & Conditions for Credit One Bank's Credit Cards and Credit Protection Program." Accessed December 14, 2021.
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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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