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Credit One Bank® NASCAR® Visa®

in Personal Credit Cards from Credit One Bank

Unaffiliated Visit Site

Credit One Bank® NASCAR® Visa®

Unaffiliated

in Personal Credit Cards from Credit One Bank

Net Recommendation Score -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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Annual Fee $99
Purchase APR  (Variable APR) 19.74% - 25.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 520 - 850

Credit One Bank® NASCAR® Visa® Review

Credit One Bank® NASCAR® Visa® is a cashback credit card issued by Credit One Bank. 

This card is designed for people who have bad credit. The minimum credit score to apply is 520. If you're wondering whether Credit One Bank® NASCAR® Visa® is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Credit One Bank® NASCAR® Visa®
The Good The Bad
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Travel Accident Insurance.
  • Considers applicants with fair or poor credit.
  • Earn rewards on every purchase.
  • Credit One Bank® NASCAR® Visa® reports to multiple credit bureaus.
  • 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.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Annual fee and interest rate are based on creditworthiness, and can vary considerably. Currently $0 - $75 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.
  • Is there a Credit One Bank® NASCAR® Visa® cash back or rewards program?

    Credit One Bank® NASCAR® Visa® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank® NASCAR® Visa® you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

    Credit One Bank® NASCAR® Visa® Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

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

    Credit One Bank® NASCAR® Visa® doesn't offer a cash signup bonus.

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

    Credit One Bank® NASCAR® Visa® doesn't offer a cash loyalty bonus.

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

    Credit One Bank® NASCAR® Visa® provides the following benefits:

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

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

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Credit One Bank® NASCAR® Visa® has higher than average purchase APRs.

    Credit One Bank® NASCAR® Visa® has a variable purchase APR that ranges from 19.74% up to 25.74%. It also has a variable cash advance APR of 25.74% .

    Does Credit One Bank® NASCAR® Visa® have an introductory APR offer?

    Credit One Bank® NASCAR® Visa® does not offer an introductory rate on new purchases.
    Credit One Bank® NASCAR® Visa® Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Credit One Bank® NASCAR® Visa® Rates & Terms
    Description
    Balance Computation average daily balance
    Purchase APR 19.74% - 25.74%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Credit One Bank® NASCAR® Visa® fees?

    The following fees apply to Credit One Bank® NASCAR® Visa®:

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

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

    Credit One Bank® NASCAR® Visa® 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 a foreign transaction fee.

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

    Credit One Bank® NASCAR® Visa® 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 can help improve your credit score.

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

    • Visit the Credit One Bank® NASCAR® Visa® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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® VISA® 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...

    Contact

    • Headquarters
    •   585 Pilot Rd.
      Las Vegas, NV 89119
    •   Visit Site

    About Credit One Bank® NASCAR® Visa®

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    Paper Statement Fee $0
    Annual Fee $99
    Cash Advance Fee (%) Starting at 3%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $39
    Minimum Cash Advance Fee ($) Starting at $10
    Minimum Interest Charge $1
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Bad Credit
    • Cashback
    • Rewards
    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
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    Rewards Categories
    • Every Purchase
    Cash Advance APR (Variable APR) 25.74%
    Purchase APR (Variable APR) 19.74% - 25.74%
    Balance Computation average daily balance

    Credit One Bank® NASCAR® Visa® Community Reviews

     

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