Nascar RacePoints(SM) Platinum Plus® Visa® Card Review
Card issued by FIA Card Services, N.A.
Summary - The NASCAR RacePoints(SM) Platinum Plus® Visa Card is designed for the NASCAR fan who wants to earn reward points to get cool NASCAR merchandise and perks at NASCAR events. Find out more about this card.
Reward Formula - The NASCAR credit card allows you to earn one point for every dollar you spend on the card. Points can be redeemed for merchandise and perks like Car flag of your favorite driver, 1:24-Scale diecast car and access to driver-introduction Red Carpet area. Points are valid for five years.
Annual Fee and APR - This card has no annual fee. New cardholders get a 0% introductory APR on both cash advance checks and balance transfer (subject to a balance transfer fee). The APR thereafter is either 9.99% or 15.99% depending on your credit. The average daily balance method (including new purchases) is used to calculate your monthly balance.
Verdict - The NASCAR RacePoints(SM) Platinum Plus® Visa Card will appeal to the NASCAR fan who collects NASCAR items and attends races as reward points can be used for these items and perks. Furthermore, the interest rate is low and you also get a good 0% APR deal on balance transfers and cash advance check.
Positives
- Allows the NASCAR fan to use reward points for NASCAR merchandise and other NASCAR perks
- No annual fee
- 0% apr for both cash advance and balance trasnfers for twelve billing cycles
- Low interest rates
| NASCAR RacePoints(SM) Platinum Plus® Visa® Card | |
| Rebate Formula | |
| Reward Formula | Earn one point for every dollar spent on the card |
| Benefits | |
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Customer communications are send in Spanish and English Total Security Protection Various Internet account related services Auto rental insurance Various travel and emergency assistance services Free Year-End Summary Statement Lost luggage recovery No liability for unauthorized Internet transactions Discounts on auto rentals Optional Mini Card See website for additional benefits Optional Purchase Guard |
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| Cost/Fees/Interest rates | |
| (APR) Purchase | Goto rate is 9.99% for Platinum Plus Accounts or 15.99% for Preferred Accounts |
| (APR) Balance Transfer APR | Intro Rate - 0% for twelve billing cycles. Goto rate is 9.99% for Platinum Plus Accounts or 15.99% for Preferred Accounts |
| (APR) Cash Advance |
Intro Rate - 0% for twelve billing cycles. Goto rate is 9.99% for Platinum Plus Account 15.99% for Preferred Accounts |
| Finance Configuration | Average Daily Balance (including new purchases) |
| Annual Fees | None |
| Additional Cardholders | $0 |
| Grace Period | 20 days (Min) |
| Late Payment fee | Based on Account balance on the fee assessment date - $15 for balances less than or equal to $100, $29 for balances $100.01 to $250, $39 for balances greater than $250. |
| Over-the-credit-limit fee | Based on the highest Account balance during the Billing Cycle - $15 for balances less than or equal to $500, $29 for balances $500.01 to $1000, $39 for balances greater than $1000. |
| Cash Advance fee | 3% min $10.00 |
| Balance Transfer fee | None when Balance Transfer is requested at time of application; thereafter, 3% of each advance (min. $10) |
