NAPA Visa Card®

Get the quality and integrity you expect from NAPA** with the NAPA Visa Card. It features a money-saving interest rate, no annual fee, and double "Peace of Mind" warranty protection at participating NAPA AutoCare and AutoCare Collision Centers.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit Personal $0* N/A* N/A* 12.24%* Other
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Quick Summary:
This Visa rewards card is issued by U.S. Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 12.24%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 670 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any U.S. Bank product.

Other Basics:
The grace period listed for the NAPA Visa Card® is at least 20 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Rewards and Benefits:

  • Low long-term rates. NAPA Visa Card interest rates are some of the lowest around.
  • No Annual Fee. There is no annual fee with the NAPA Visa Card.
  • Travel Accident Insurance.* Yours automatically - at no extra cost - when you purchase tickets for travel on common carriers with your NAPA Visa Platinum Card. The NAPA Visa Platinum card offers $500,000 of coverage.
  • Auto Rental Insurance.* It's yours automatically - at no extra cost - when you charge your entire car rental on your NAPA Visa Platinum card and decline the rental company's collision damage waiver option. Coverage on a 24-hour basis for damage due to collision or theft.
  • 100% Fraud Protection. You are not liable for unauthorized purchases on your NAPA Visa Card. Click here for more information.**
  • Interested in enjoying additional benefits? Learn more about the NAPA Visa Card's optional benefits.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 670, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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