Cash back · American Express · $39 annual fee
Last verified 2026-09-09. Review issuer source
Credit One Bank NASCAR American Express is a $39-a-year cash back card from Credit One. It earns 1% on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it earns $246, which clears the $39 fee with $207 to spare before any credits or perks.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
Free Online Access to credit score
Retail Protection covers you if an eligible item is damaged or stolen within 90 days of purchase.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Credit One Bank NASCAR® American Express®This card · 1% on everything | $39 | $246 | +$207 | 877th of 1,291 |
| Credit One Bank® Platinum X5 Visa SignatureCredit One's most-held other card · 5% on gas stations | $95 | $542 | +$447 | 441st of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
