The Credit One Bank® NASCAR® American Express® Credit Card is more than just a payment tool. It is a gateway to a unique lifestyle specially tailored for NASCAR enthusiasts. This card does an excellent job of blending everyday functionality with exclusive entertainment perks. From earning cash back on all purchases to offering pre-sale ticket access and a chance to win VIP race tickets, it's designed to enhance your spending experience. While its varied annual fee and high APR call for cautious financial planning, for those who revel in NASCAR events and appreciate Amex Offers, this card is a valuable asset in your wallet and leisure pursuits.
Credit One Bank® NASCAR® American Express® Credit Card Review
Updated: November 11, 2024
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Credit One Bank® NASCAR® American Express® Credit Card
On Issuer's Site
Rewards Rate
Earn unlimited 1% cash back rewards on all purchas...APR
29.24% variableAnnual Fee
$0 or $39Recommended Credit
580 – 740 (Fair to Good)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Credit One Bank® NASCAR® American Express® Credit Card Overview
When selecting a credit card, a comprehensive evaluation of its features is crucial, as they significantly impact its suitability and value for different consumer needs and lifestyles.
- Rewards rate: Earn 1% cash back rewards on all purchases
- Welcome offer: None
- Regular APR: 29.24% (variable)
- Annual fee: $0–39 (based on creditworthiness)
- Intro APR offer: None
Important Card Details
In evaluating the Credit One Bank® NASCAR® American Express® Credit Card, it's essential to delve into its unique features and how they align with consumer needs and preferences. This analysis provides an unbiased look at the card's offerings, highlighting its specialized benefits for NASCAR fans and its broader financial utility.
Fees
The Credit One Bank® NASCAR® American Express® Credit Card offers a variable annual fee ranging from $0 to $39, determined by the cardholder's creditworthiness. It means the better your credit score, the lower your fee might be. The fee structure encourages consumers to maintain or improve their credit scores to enjoy lower costs. However, compared to other cards with no annual fee, this could be a downside for those with average credit profiles.
Cash Back
A standout feature of this card is its straightforward cash back program. Users earn 1% cash back on all purchases, providing a simple and effective way to get rewards from everyday spending. This feature is particularly beneficial for those who prefer uncomplicated reward structures without having to track specific categories or spending limits. While the cash back rate is modest compared to some other cards, it's a reliable perk for regular spenders who want to earn rewards without complex rules.
NASCAR Features
For NASCAR enthusiasts, this card offers unique perks. Cardholders enjoy complimentary access to the NASCAR Scanner, discounts on select race tickets, parking, merchandise, experience and even chances to win VIP race tickets. These features provide financial benefits and enhance the overall fan experience. The opportunity to win VIP tickets and get exclusive discounts can be a significant draw for NASCAR fans, turning this card into a gateway for unique and potentially money-saving experiences.
Other Perks
Aside from NASCAR-related benefits, the card offers access to Amex Offers, which include deals in shopping, dining, travel and entertainment. This extends the card’s appeal beyond just NASCAR fans. Additionally, the inclusion of Travel Accident Insurance offers peace of mind, covering unforeseen incidents during travel. The card also provides exclusive pre-sale access to nationwide events and concerts, broadening its appeal to those interested in entertainment and travel. These perks add considerable value, especially for those who regularly engage in these activities.
How the Credit One Bank® NASCAR® American Express® Credit Card Compares
In our side-by-side comparison, we meticulously examine the distinct features and benefits of two popular credit cards, providing a clear perspective to help you determine which best aligns with your financial goals and spending habits.
How This Card Compares
Credit One Bank® NASCAR® American Express® Credit Card
- Rewards rate: Earn 1% cash back rewards on all purchases
- Welcome offer: None
- Regular APR: 29.24% (variable)
- Annual fee: $0–39 (based on creditworthiness)
- Intro APR offer: None
- Best for: NASCAR fans and those who prefer simple cash back rewards, with awareness of its high APR and variable annual fee
Blue Cash Preferred® Card from American Express
- Rewards rate: Earn 6% cash back at U.S. supermarkets up to $6,000 per year in purchases (then 1%); a 6% cash back on select U.S. streaming subscriptions; a 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses, etc.; a 3% cash back at U.S. gas stations; and 1% cash back on other purchases
- Welcome offer: Earn a $250 statement credit after spending $3,000 in purchases on your new card within the first six months.
- Regular APR: 18.49%-29.49% (variable)
- Annual fee: $0 for the first year, then $95
- Intro APR offer: 0% intro APR on purchases for 12 months, then 18.49%-29.49% (variable) after that
- Best for: Frequent shoppers at U.S. supermarkets, streaming services and gas stations, offering significant cash back and introductory benefits, with consideration for the later APR and annual fee.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*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. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
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. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.