Add cards to start comparing.

Credit One Bank® Visa® with Free Credit Score Access

Apply Now

on Credit One Bank's secure site

Credit One Bank® Visa® with Free Credit Score Access

 

Rated 3/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!

Apply Now

on Credit One Bank's secure site


  • 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
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's 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.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply

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

    Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater.

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

    2.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    3.0 /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.
 
The main benefit of this particular card is for helping establish or reestablish credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if your track record for payments is good. That helps to bolster your credit score, too, especially if you are disciplined enough to only use a maximum of 25%-30% of your available credit.
 
Cardholders are able to enjoy Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply. The Credit One Bank® Visa® with Free Credit Score Access can be applied for online or when you receive a card membership invitation through the mail. Your credit limit will be based on your credit worthiness and may be as high as $1,500.
 
The card carries an APR of 17.99% to 23.99% Variable, which is in the higher end of the spectrum, but is still pretty typical. 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® with Free Credit Score Access 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. In that respect the card does a good job of offering a full-fledged card with several financial management and account oversight tools to help strengthen one’s credit.

The Good

Card holders can earn Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. 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 can be as low as $0 or 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® Visa® with Free Credit Score Access

  • Regular APR

    2.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    3.0 /5


Consumer Reviews 0 Reviews

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+0 users submitted a rating without a full review

Be the first one to write an in-depth review!


gif loader

Back to top