NASCAR® Credit Card from Credit One Bank®
REVIEW

Pros

This is a card that will approve those with either bad, fair or very good credit. It is a cash back rewards card and you can get your Experian credit score for free. The card has an app and you can manage your account (including paying bills) from there. You can also set up the card in Apply Pay, Google Pay and Samsung Pay.

Bottom Line

You do not have to be a Nascar fan or a Kyle Larson fan to get this card. If you are a rebuilder, this card is worth considering because it has a very reasonable annual fee and rates.
 

Introduction

Nascar has partnered with Credit One to launch their affinity credit card and in doing so, has done it with a slight twist that no other card has done before (to our knowledge). In a nutshell, whether you have good, excellent or even bad credit, you stand a chance of getting approved for this card. Depending on the type of credit you have, you might have to pay an annual fee and you might get a slightly different reward program. So let's get right down to it
 

Card Details

Credit Range	APR	Annual Fee	Rewards
Excellent	17.99%-23.99% *V	$0	1% Cash Back on Regular Purchases 2X Cash Back Rewards at Nascar.com
Average	17.99-23.99%*V	$39	1% Cash Back on Eligible Gas and Automotive Purchases 2X Cash Back at Nascar.com
Rebuilding	23.99%*V	$75-$99	1% Cash Back on Eligible Gas and Automotive Purchases 2X Cash Back at Nascar.com

Excellent Credit - If you are deemed to have very good credit, then there is no annual fee. Your APR will range from 17.99% to 23.99% Variable. For rewards, you will earn 2% cash back for nascar.com purchases and 1% cash back for all other purchases.

Average Credit - If you have average credit, then your annual fee will be $39. You will still be able to earn 2% cash back on nascar.com purchases and 1% cash on gas and automotive purchases. This is in contrast to the "excellent credit version" where you will earn 1% cash on all other non-nascar.com purchases. Your APR will be 17.99-23.99% Variable

Rebuilding Credit - If your credit is bad and you are in the rebuilding phase, then your annual fee will range from $0 to $99. The APR will range from 17.99-23.99% Variable. The rewards will be the same as the "average credit version" in that you earn 2% cash back on nascar.com purchases and 1% cash back on gas and automotive purchases.
 

Competition

As every one of our card reviews, we will try to compare it with it's peers. This card is a little more complicated in the sense that depending on your credit, the terms and conditions are slightly different. So we'll try to compare this card based on credit worthiness.

If you have good to excellent credit, you will be able to get a no annual fee credit card. And this card is comparable in this aspect to it's peers. There are some store cards or affinity cards that let's you earn more than 2X on their merchandise (vs 2% for nascar.com purchases). But if you are a Nascar fan, this should not bother you.
 

 

The average credit version charges an annual fee that ranges from $35 to $75. There are several cards that specifically target folks with average credit. For example, the Capital One Platinum QuickSilver has a $39 and offers 1.5% cash back on all purchases. USAA has a few version of cards called the "Classic" that is targeted at folks with average credit and the annual fee is $35. BarclayCard has a card called the Rewards MasterCard that has no annual fee and allows you to earn 2X on gas, groceries and utilities.
 

If you have bad credit, then the annual fee will be between $75 and $99. This is actually very reasonable compared to other sub prime cards in the market, which also tend to charge monthly maintenance fees on top of annual fees. Many sub prime cards also charge a one-time application fee. Furthermore, most sub prime cards do not have reward programs (unlike this card). In fact, this card is very similar to Credit One's other cards in terms of fees, rates and even reward program (excluding nascar).
 

Is Nascar Credit Card Good?

If you are a nascar fan and want to earn cash back from buying stuff on nascar.com, then I would say go for this card. Even if your credit is less than perfect, you'll have a much better chance of getting approved for this card (even though you might end up paying an annual fee).

If you have average credit and are considering this card, it is not a bad choice either. Though if you are not a nascar fan, you might want to consider a card like the Barclaycard Rewards MasterCard, which has no annual fee and but has a reward program.

If you have bad credit, this would also be a good card to get because the annual fee is very reasonable and you also get a reward program. If you are not a nascar fan, you might want to consider some of Credit One's other cards. They have an almost identical fees and rates and also a reward program.

Introduction

Nascar has partnered with Credit One to launch their affinity credit card and in doing so, has done it with a slight twist that no other card has done before (to our knowledge). In a nutshell, whether you have good, excellent or even bad credit, you stand a chance of getting approved for this card. Depending on the type of credit you have, you might have to pay an annual fee and you might get a slightly different reward program. So let's get right down to it
 

Card Details

Credit Range	APR	Annual Fee	Rewards
Excellent	17.99%-23.99% *V	$0	1% Cash Back on Regular Purchases 2X Cash Back Rewards at Nascar.com
Average	17.99-23.99%*V	$39	1% Cash Back on Eligible Gas and Automotive Purchases 2X Cash Back at Nascar.com
Rebuilding	23.99%*V	$75-$99	1% Cash Back on Eligible Gas and Automotive Purchases 2X Cash Back at Nascar.com

Excellent Credit - If you are deemed to have very good credit, then there is no annual fee. Your APR will range from 17.99% to 23.99% Variable. For rewards, you will earn 2% cash back for nascar.com purchases and 1% cash back for all other purchases.

Average Credit - If you have average credit, then your annual fee will be $39. You will still be able to earn 2% cash back on nascar.com purchases and 1% cash on gas and automotive purchases. This is in contrast to the "excellent credit version" where you will earn 1% cash on all other non-nascar.com purchases. Your APR will be 17.99-23.99% Variable

Rebuilding Credit - If your credit is bad and you are in the rebuilding phase, then your annual fee will range from $0 to $99. The APR will range from 17.99-23.99% Variable. The rewards will be the same as the "average credit version" in that you earn 2% cash back on nascar.com purchases and 1% cash back on gas and automotive purchases.
 

Competition

As every one of our card reviews, we will try to compare it with it's peers. This card is a little more complicated in the sense that depending on your credit, the terms and conditions are slightly different. So we'll try to compare this card based on credit worthiness.

If you have good to excellent credit, you will be able to get a no annual fee credit card. And this card is comparable in this aspect to it's peers. There are some store cards or affinity cards that let's you earn more than 2X on their merchandise (vs 2% for nascar.com purchases). But if you are a Nascar fan, this should not bother you.
 

 

The average credit version charges an annual fee that ranges from $35 to $75. There are several cards that specifically target folks with average credit. For example, the Capital One Platinum QuickSilver has a $39 and offers 1.5% cash back on all purchases. USAA has a few version of cards called the "Classic" that is targeted at folks with average credit and the annual fee is $35. BarclayCard has a card called the Rewards MasterCard that has no annual fee and allows you to earn 2X on gas, groceries and utilities.
 

If you have bad credit, then the annual fee will be between $75 and $99. This is actually very reasonable compared to other sub prime cards in the market, which also tend to charge monthly maintenance fees on top of annual fees. Many sub prime cards also charge a one-time application fee. Furthermore, most sub prime cards do not have reward programs (unlike this card). In fact, this card is very similar to Credit One's other cards in terms of fees, rates and even reward program (excluding nascar).
 

Is Nascar Credit Card Good?

If you are a nascar fan and want to earn cash back from buying stuff on nascar.com, then I would say go for this card. Even if your credit is less than perfect, you'll have a much better chance of getting approved for this card (even though you might end up paying an annual fee).

If you have average credit and are considering this card, it is not a bad choice either. Though if you are not a nascar fan, you might want to consider a card like the Barclaycard Rewards MasterCard, which has no annual fee and but has a reward program.

If you have bad credit, this would also be a good card to get because the annual fee is very reasonable and you also get a reward program. If you are not a nascar fan, you might want to consider some of Credit One's other cards. They have an almost identical fees and rates and also a reward program.