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About Our Ratings
Credit Needed
Excellent

National Hot Rod Association Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
National Hot Rod Association Visa® Card
Cashback on Gas
Unlimited 1.5% cash back
5%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
12 months
Purchase APR
14.24% to 18.24% (Variable) 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

National Hot Rod Association Visa® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
14.24% to 18.24% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74% to 14.74%
 10.74%, 14.74% or 21.50%
 21.50%
APR:
  14.24% to 18.24% (Variable)
 14.24% to 18.24%, or 25.00% (Variable - See Notes)
 25.00% (Variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
 N/A
Intro Period:
 N/A
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% of the U. S. dollar amount of each Cash Advance or Purchase
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
3% of the amount of the Balance Transfer, with a $15 minimum and no maximum  


Notes:

Rebate Description:
 The National Hot Rod Association Visa credit card gives you access to dozens of everyday perks, once-in-a-lifetime experiences and events. Plus, you'll earn rewards points redeemable from a wide selection of rewards including merchandise, travel, and account credits.
Special Notes:
 APR for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for Balance Transfers made more than 60 days from account opening, 14.24% to 18.24% (based on your credit worthiness) if your Balance Transfer is treated as a Purchase, or 25.00% if your Balance Transfer is treated as a Cash Advance. These APRs will vary with the market based on the Prime Rate. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 UMB Bank
General Correspondence Address:
 4900 Main Street
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good