I applied for a NASCAR Visa when they had a booth at a race; I ended up getting a free cooler for signing up and planned on using the card for medium to large size purchases so I could rack up Race Points which can be redeemed for NASCAR themed products and other items. Unlike most credit cards, there's no yearly membership fee but they aren't really offering you any huge perks. If you are a NASCAR fan then this is worth getting if you want to earn rewards or snag a "driving experience" for a loved one but there's no cash-back offers and the points that you earn are limited to NASCAR themed items. I have had a couple of issue with double billing but I think those errors are vendor related but even so, when the charges were processed and were identical amounts they should have investigated it to see if the charges were legitimate or not. When I got my card I didn't have a choice of driver or background on the card, they have since changed that so when you apply you can pick out which driver you want. The card ended up getting a huge, deep scratch in the magnetic strip and wouldn't scan with machines; I called them and told them that I needed a new card and they sent me one (no charge) within four business days. The NASCAR Race Points Platinum Plus Visa is backed by Bank of America; when I first got the card the customer service was all handled by representatives in the United States. The last three or four times I called I ended up with people that I couldn't understand. Eventually everything was resolved but it was frustrating to have to deal with people who don't speak English fluently.