Credit One Bank Official NASCAR® Visa Credit Card Review, Login, Bill Payment


Credit One Bank NASCAR® Credit Card is issued by Credit One Bank that is jointly sponsored by both Credit One Bank and NASCAR. It is designed for auto-racing superfans, any racing fans never want to miss this card. Or if you need to rebuild your credit and want to earn cash back, this card fits you too.

As the Official Credit Card of NASCAR®, Official NASCAR® Credit Card comes with various promotions and exclusive NASCAR experiences. But if you have bad credit and intend to use it to rebuild credit, just like other credit cards which were designed for improving the credit, there is always extra costs involved (fees, higher interest rates)

In addition, the pre-qualification is available, so your credit will not be affected, if you are not approved.


Compare to the other Credit One Bank credit cards, the NASCAR® Credit Card rewards program is generous. (You can see the reviews for the other Credit One credit cards right here. )

 You may qualify for one of the following two rewards programs depending on your creditworthiness. You will also gain access to special deals and exclusive NASCAR experiences, so this card is a very good choice for the racing fans who need to rebuild credit.

l  1.0% Cash Back on eligible Gas and Automotive Purchases, Double Cash Back on Purchases; or

l  1.0% Cash Back on all eligible Purchases, Double Cash Back on purchases.

Rates and Fees   

The important things that everyone who hold this card should know are that all applicants can get a grace period and the interest on this card is above average.

APR: The annual percentage rates are variable, based on your creditworthiness, the ranges are 16.15% to 24.65% for purchase and 18.65% to 25.65% for cash advance. The transaction fee is 8% or 3%, and this fee usually ranges from 3%-5%, so an 8% transaction fee is high. I suggest you avoid cash advances.

Annual fee: Credit One Bank charge annual fee based on your creditworthiness, this fee is around $0 to $99.

Penalty fees: These charges will be up to $37 for late payment and up to $35 for returned payments. But in my research, some cardholders forgot to pay their bills, they called customer service, and Credit One Bank granted them a waiver.

Foreign transaction fees: This fee is 3%, well, at least this fee is clear and within the normal range.

Balance transfers: Not applicable.

Credit limit increase fee: $0 to $49

Duplicate monthly statement fee: $10

Sales receipt request: $6

Replacement card: $25

The bottom line

Obviously, this card is only suitable for super racing fans or someone who need to improve their credit score. You should use it carefully and make sure you know the fees on this card.

If you are a racing fan or you need to rebuild your credit, you can apply for it right here.

Payment and customer service information  

If you need to log in to your Credit One Bank account, or to pay your bill, or to reach the customer service. Here is all the information you will need.

l  Pay online. To pay your Official NASCAR® Credit Card bill online, click here to access your online account and make a payment.

l  Payment by mail. If you would like to pay your bill by mail, you can send funds to their payment address. The mailing address is :

Credit One Bank,

Payment Services,

P.O. Box 60500,

City of Industry, CA 91716-0500

(Tip: In the research, I found that the efficiency of Credit One Bank is very low, the cardholders usually had to send the payment 10 days early.)

l  Pay by phone. If you have trouble paying your bill or need other assistance, the Official NASCAR® Credit Card customer service phone number is 1-888-729-6274. (Tip: There is a charge of $9.95)