MoneyGeek's Take

NASCAR® American Express® Card from Credit One Bank Review

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

Last Updated: 5/11/2022
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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 23.99%.

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

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

The NASCAR® American Express® Card from Credit One Bank 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.


  • NASCAR® American Express® Card

    A good cash back credit card for NASCAR fans with average to excellent credit

    • FairCredit Needed
    • $0–$99*Annual Fee
    • 1% Cash BackRewards Rate
    • 1xRewards Rate on Gas
    • NoneRewards Rate on Groceries

    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 NASCAR® American Express® Card from Credit One Bank. 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 NASCAR® American Express® 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 23.99%.
  • 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.
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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.

1

Cash back rewards

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

2

Auto rewards redemption

Qualified purchases are automatically credited to your account.

3

NASCAR discounts

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

4

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.
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MONEYGEEK QUICK TIP

To maximize your 1% cash back rewards, use your NASCAR® American Express® 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
    17.99% to 23.99%
  • Annual Fee
    $0–$99*
  • Cash Back Rewards
  • Rewards Rate
    1% Cash Back
  • Airline Benefits
  • This is an icon

    APR

    The NASCAR® American Express® Card has a high variable APR of 23.99% for purchases and cash advances, but this may vary based on the market’s prime rate.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    Late Fees

    Payments that are overdue could cost you $39.

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WHERE TO FIND THIS INFORMATION?

Determine how the NASCAR® American Express® 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 NASCAR® American Express® 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 NASCAR® American Express® Card from Credit One Bank?

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

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 NASCAR® American Express® Card has a high APR of 23.99%, 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.

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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 NASCAR® American Express® Card from Credit One Bank Compares to Other Cards

You can determine whether the NASCAR® American Express® 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 NASCAR® American Express® Card from Credit One Bank
creditCard

NASCAR® American Express® Card from Credit One Bank

  • Cash Back Rewards Rate: Unlimited 1% cash back
  • APR: 23.99%
  • 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
creditCard1

American Express Blue Cash Preferred Card

  • Cash Back Rewards Rate: 3% for US gas stations and up to 6% for selected supermarkets
  • APR: 0% for first year but 13.99-23.99% 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

Other Helpful Decision-Making Q&As

Below are answers to frequently asked questions about the NASCAR® American Express® Card from Credit One Bank 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.

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*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.
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