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.

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 FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
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 & 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
- BenefitsDescription
- Cash back rewardsCardholders can redeem 1% cash back with the Credit One Bank® NASCAR® American Express® Credit Card. Rewards are unlimited.
- Exclusive deals for NASCAR fansNASCAR 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 requiredOther 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 CreditGet access to your Experian credit score to see how your score is improving or if it needs a boost.
Cons
- DrawbacksDescription
- High APRIt’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 feesCardholders who use the NASCAR® American Express® Card outside of the U.S. will have to pay 3% in transaction fees.
- Late feesIf your payment is late more than once within six months, you might end up paying a $39 fee.
- Low customer satisfaction rankingAccording to J.D. Power’s Credit Card Satisfaction Study, Credit One Bank ranks last among national credit card issuers.
MoneyGeek regularly evaluates credit cards to help you find the best credit card for you. Find out our top gas credit card picks of 2022.
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 FeatureDescription
- Customize your financial experienceIf 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 ExperianCardholders 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 appIndividuals 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.
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 FeatureAmount or Rate
- APR27.74% variable
- Annual Fee$39
- Cash Back Rewards
- Rewards Rate1% Cash Back
- Airline Benefits
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.
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.
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.
The Blue Business® Plus Credit Card from American Express
American Express Cash Magnet® Card
American Express® Gold Card
Marriott Bonvoy Business® American Express® Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Spark Cash Plus
Chase Freedom® Student Credit Card
Chase Freedom Unlimited®
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Chase Sapphire Preferred® Card
World of Hyatt Credit Card
Citi® Diamond Preferred® Card
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa® for Rebuilding Credit
Deserve® EDU Mastercard for Students
Mastercard® Black Card™
Mastercard® Titanium Card™
Simmons Rewards Visa Signature®
Simmons Visa®
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.
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