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Last Updated: 07/28/2025

Desert Rat Off Road Centers Credit Card

in Credit Cards from Credit First National Association

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Desert Rat Off Road Centers Credit Card logo
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Purchase APR (Variable APR)

28.8%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

600 - 850

Annual Fee

$0

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Desert Rat Off Road Centers Credit Card Review

This is a store card issued by Credit First National Association. If you're wondering whether Desert Rat Off Road Centers Credit Card is the right card for you, read on.

Key Takeaways

  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.8%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Desert Rat Off Road Centers Credit Card

Desert Rat Off Road Centers Credit Card FAQ

Does Desert Rat Off Road Centers Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Desert Rat Off Road Centers Credit Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
Desert Rat Off Road Centers Credit Card has a variable purchase APR of 28.8%. Desert Rat Off Road Centers Credit Card does not offer balance transfers.

Does Desert Rat Off Road Centers Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Desert Rat Off Road Centers Credit Card does not offer balance transfers.

Does Desert Rat Off Road Centers 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 Desert Rat Off Road Centers Credit Card?

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Desert Rat Off Road Centers Credit Card?

The customer service number for Desert Rat Off Road Centers Credit Card is (800) 321-3950.

What is the support contact email for Desert Rat Off Road Centers Credit Card?

The support contact email for Desert Rat Off Road Centers Credit Card is social@cfna.com.

How do people rate the customer service and user experience of Desert Rat Off Road Centers Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Desert Rat Off Road Centers Credit Card report your account activity to credit bureaus?

Yes, Desert Rat Off Road Centers Credit Card reports to the following credit bureaus:
  • 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 build your credit.

Does Credit First National Association perform a hard credit pull?

Yes, Desert Rat Off Road Centers Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Desert Rat Off Road Centers Credit Card

  • Visit the website of Desert Rat Off Road Centers Credit Card.
  • 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.

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.

Contact

Headquarters

6275 Eastland Rd
Cleveland, OH 44142
Visit Site
Email Support

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Desert Rat Off Road Centers Credit Card Community Reviews

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