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Credit One® Cash Back Rewards


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Your Rating:

3.0/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!

  • Regular Purchase APR 15.65% - 24.15% Variable*
  • Intro Purchase APR N/A*
  • Intro BT APR N/A*
  • Annual Fees $0-$99
  • Credit Needed


  • Card Brand Visa

Card Details


  • Click "APPLY NOW" to apply online
  • 1% cash back on eligible purchases, terms apply
  • Flexibile payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Choose your card design from our premium gallery, a fee may apply

Card Fees

Late Payment Fees Up to $37

Foreign Transaction Fee 3% or $1, whichever is greater

Balance Transfer Fee N/A

Cash Advance Fee $10 or 3%, whichever is greater

Returned Payment Fee Up to $35

Minimum Interest Charge $1.00

Ongoing Information

Rewards Rate 1% cash back on eligible purchases, terms apply

Annual Fee $0-$99

Grace Period 0 Days

Additional Card Details

$0 Fraud Liability No

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

From the Editorial Team

The Credit One® Cash Back Rewards Credit card is a solid rewards credit card that can help consumers build credit and earn cash back at the same time. Cardholders receive 1% cash back on eligible purchases, with bonus rewards when you use the card for dining*. This is an unsecured credit card which means that you don't have to put down a security deposit to get approved and you can build credit with each month of responsible card use. 

In addition to the cash back rewards, there are a few great perks that cardholders will love. One neat feature is that you can pick your payment due date, which will help you ensure that you never miss a payment and keep your credit score going up. There are also email and text alerts to remind you when your payments are due. You can even choose a personalized card design, though a fee may apply. This credit card comes with an annual fee that can range from $0 - $99, and the APR will be 15.65% - 24.15% Variable depending on your creditworthiness.

Expert Reviews of the Credit One® Cash Back Rewards

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use.

The Good

The card comes with a few unique features like the ability to pick your due date and customize your card image.

The Not so Good

The annual fee could be as high as $99, which is pretty high. Also, there are many other cards that offer more than 1% cash back.

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 have not been reviewed, approved or otherwise endorsed by Credit One Bank.

Consumer Reviews

  • star rating mask

Offer Rating


4 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

Your Rating

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