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  Credit One Bank® NASCAR® Credit Card

Credit One Bank® NASCAR® Credit Card

in Personal Credit Cards from Credit One Bank®

Unaffiliated

Credit One Bank® NASCAR® Credit Card

Unaffiliated

in Personal Credit Cards from Credit One Bank®

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) Up to 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 520 - 850
Annual Fee $39 - $99

Credit One Bank® NASCAR® Credit Card Review

This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® NASCAR® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Credit One Bank® NASCAR® Credit Card
The Good The Bad
  • Flexibility to choose payment due date.
  • The Credit One Official NASCAR Credit Card helps to rebuild credit by reporting to the major credit bureaus monthly.
  • There is no enrollment fee, which often comes with credit building cards.
  • Accounts are automatically reviewed for credit increase opportunities.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit One Bank® NASCAR® Credit Card reports to multiple credit bureaus.
  • Annual fee and interest rate are based on creditworthiness, and can vary considerably. Currently $75 - $99 for the first year and $0 - $99 after that.
  • Reward structure is based on creditworthiness. Some customers are offered cash back on all purchases, others are limited.
  • Some customers will not be granted a grace period for payments. This is based on creditworthiness.
  • Charges an annual fee of up to $99.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
Credit One Bank® NASCAR® Credit Card FAQ

Does Credit One Bank® NASCAR® Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.

Credit One Bank® NASCAR® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A

Does Credit One Bank® NASCAR® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Credit One Bank® NASCAR® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Credit One Bank® NASCAR® Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Credit One Bank® NASCAR® Credit Card?

It has a variable purchase APR of up to 23.99%.

The card has a variable cash advance APR of up to 23.99%.

Does Credit One Bank® NASCAR® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Credit One Bank® NASCAR® Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Credit One Bank® NASCAR® Credit Card?

The following fees apply:

Credit One Bank® NASCAR® Credit Card Fees
Fees Amount
Annual Fee Starting at $39 up to $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One Bank® NASCAR® Credit Card have a foreign transaction fee?

Credit One Bank® NASCAR® Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Credit One Bank® NASCAR® Credit Card?

The Credit One Bank® NASCAR® Credit Card customer service number is (877) 825-3242.

How do people rate the customer service and user experience of Credit One Bank® NASCAR® Credit Card?

Overall, Credit One Bank® NASCAR® Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Credit One Bank® NASCAR® Credit Card report your account activity to credit bureaus?

Yes, Credit One Bank® NASCAR® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Credit One Bank® NASCAR® Credit Card

  • Visit the Credit One Bank® NASCAR® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Credit One Bank® NASCAR® Credit Card Disclosure: $0 to $95 for the first year. After that, $0 to $99. For some Accounts, the Annual Fee for the second and future years will be divided into 12 equal portions and one portion will be billed each month of the applicable year. For other Accounts, the Annual Fee for the second year and future years will be billed annually.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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About Credit One Bank® NASCAR® Credit Card

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $39 - $99
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Additional Card Fee Amount $19
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 520 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Categories
  • 2% Cash Back on Retail
  • 1% Cash Back on Every Purchase
  • 2% Cash Back on In-Store Eligible Purchases
Cash Advance APR (Variable APR) Up to 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) Up to 23.99%
Card Type
  • Rewards
  • Cashback
  • Bad Credit
Card Network Visa

Credit One Bank® NASCAR® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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