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Credit One Bank® Unsecured Visa® with Cash Back Rewards

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on Credit One Bank's secure site

Credit One Bank® Unsecured Visa® with Cash Back Rewards

 

Rated 4/5 stars by our editorial team

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  • Regular Purchase APR

    17.99% to 23.99% Variable

  • Intro Purchase APR

    N/A*

  • Intro BT APR

    N/A*

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0-$99

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • Rewards post automatically to your account each month
  • Automatic reviews for credit line increase opportunities
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®

Card Fees

  • Foreign Transaction Fee

    Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    $5.00/8% or $10.00/3%, whichever is greater (see terms)

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    2.5

  • Fees

    3.0

  • Benefits

    2.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

Credit One Bank® is one of America's leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
 
This is a versatile choice of plastic for those consumers who are trying to build or repair their credit. Not only does it offer unique features to help accomplish that, but it also delivers some additional perks and tools. Those include email and text account activity notifications, 24-hour online account access, travel accident insurance, an auto rental collision damage waiver, and zero-dollar fraud liability if the card is reported lost or stolen. For those who want to customize the appearance of their plastic, that is also an option. Just browse the images on the card’s website and pick your favorite. A fee may apply. You can also pick your own recurring payment due date.
 
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply. The Platinum Visa from Credit One Bank can be applied for online or when you receive a card membership invitation through the mail. 
 
If you receive a pre-approved offer, you are almost guaranteed to qualify for a card. Those who want to find out if they are prequalified can do so within less than 60 seconds after filling out an online form at the company’s secure site. With pre-qualification you are able to find out whether your chance of approval is high before actually submitting an application.
 
The card carries an APR of 17.99% to 23.99% Variable, which is relatively high, but is still pretty typical to other rates offered by many other cards today. There is, however, a rather high annual membership fee – something that is also a common feature among many cards that are marketed to people with less than stellar credit.

The Bottom Line

The Credit One Bank Visa is geared toward the consumer who needs to find a card that will give them the tools necessary to improve their credit score and credit history.

The Good

Card holders can earn 1% cash back on gas and grocery purchases, terms apply. This card offers several convenient features designed to help you manage, monitor, and improve your credit. You can also choose your own card design from the card issuer’s gallery of images.

The Not So Good

The annual fee ranges from as low as $0 to as high as $99. There is no fee charged when you make a standard payment, but you’ll be charged $9.95 if you use the Express Payment option.


Editorial Note: This content is not provided by Credit One Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Credit One Bank.

Expert Reviews of the Credit One Bank® Unsecured Visa® with Cash Back Rewards

  • Regular APR

    4.0

  • Intro APR

    2.5

  • Fees

    3.0

  • Benefits

    2.0

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

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