Review: NASCAR Credit Card

NASCAR, in partnership with Credit One Financial institution, offers a credit card that means that you can earn factors good towards NASCAR merchandise and experiences, in addition to straight money again in case you want. However ensure you know what you’re getting! Our overview/overview of the cardboard is beneath:

NASCAR’s companion Credit One Financial institution is thought for working with prospects of all credit score sorts, which implies they work with a variety of bad credit report prospects. Due to this, the “similar” Credit One card can have very totally different charges and charges primarily based on the credit score historical past of the particular person getting it. The NASCAR card isn’t any exception.

So, what does that imply? It means you might want to look rigorously on the phrases you’re supplied, as a result of it may very well be any of the beneath:

  • Glorious credit score prospects get 1% money again on all purchases, 2% money again on NASCAR.com purchases, pay no annual charge, and get an rate of interest wherever from 19.74% as much as 25.74%.
  • Common credit score prospects get 1% money again solely on fuel and automotive purchases, 2% money again on NASCAR.com purchases, pay an annual charge of $39, and have an rate of interest of 25.74%
  • Prospects who’re “rebuilding” their credit score get the 1% on fuel/automotive purchases and a couple of% on NASCAR.com purchases, whereas paying an annual charge of wherever from $75-$99 and having an rate of interest of 25.74%.

As you possibly can see, there’s a huge distinction within the NASCAR bank card supply from glorious credit score prospects to rebuilding prospects. That’s appropriately, however it signifies that in order for you a NASCAR bank card, you might want to perceive what you’re moving into. In case you don’t have excellent credit score, you’re getting a clearly inferior supply in comparison with these with glorious credit score. So, in case you apply and are pre-qualified at phrases worse than glorious credit score, you in all probability ought to move this card by.

Even in case you do have glorious credit score and love NASCAR, this card’s options (apart from the cool look of the particular bodily card) are worse than you could possibly get elsewhere in at the moment’s market — see our Money Again Credit Playing cards web page to check.

In case you nonetheless need to apply for the NASCAR Visa, you’ll discover a pre-qualification/application here.


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