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Credit One Bank® Unsecured Visa® Credit Card

Credit One Bank® Unsecured Visa® Credit Card

 

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Your Rating:

3.3/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) 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

    Bad/Poor/Fair

  • Card Brand Visa

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included

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 $5.00 or 8%, whichever is greater

Returned Payment Fee Up to $35

Minimum Interest Charge $1.00

Ongoing Information

Rewards Cap No Cap

Rewards Rate 1% Cash Back on Gas & Groceries, terms apply

Annual Fee $0-$99

Grace Period 0 Days

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

From the CompareCards.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 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 15.65%- 24.15% 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.

Expert Reviews of the Credit One Bank® Unsecured Visa® Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0

    Fees

  • 3.0

    Benefits

  • star rating 3.0/5

    Overall Rating

The Bottom Line

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.

The Good

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

Consumer Reviews

  • star rating mask

Offer Rating

3.3/5.0

8 Total Ratings

5 Star
 
 
(1)
4 Star
 
 
(1)
3 Star
 
 
(5)
2 Star
 
 
(1)
1 Star
 
 
(0)

Your Rating

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