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3.0/5.0 from 4 Offer Ratings
Over the Past 60 Days!
Late Payment Fees Up to $37
Foreign Transaction Fee 3% or $1.00, whichever is greater
Balance Transfer Fee N/A
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Returned Payment Fee Up to $35
Minimum Interest Charge $1.00
Rewards Cap No Cap
Rewards Rate 1% on eligible purchases, terms apply
Annual Fee $0-$99
Grace Period 0 or 24 Days (see terms)
$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
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 re-establish your credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if you have a good credit history of repayments. That helps to bolster your credit score, too, especially if you are disciplined enough to use no more than 25%-30% of your available credit.
Cardholders are able to enjoy 1% in gas rewards with no cap on the number of rewards they can earn. Rewards will post to your account automatically each month. Your credit limit will be based on your credit worthiness and may be as high as $1,500. Another great benefit to this card is that it comes with free credit score tracking online.
Those who want to find out if they are prequalified can do so in 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. There is an annual fee of $0-99, depending on your creditworthiness.
The card carries an APR of 15.90%- 24.40% 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 Credit One Bank Unsecured Visa Credit Card geared towards the consumer who needs to improve their credit score. This card does a good job of offering a full-fledged credit card with financial management and account oversight tools to help strengthen one’s credit.
Card holders can earn 1% cash back on gas purchases with no limit to rewards earned. This card offers convenient features 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 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.
4 Total Ratings