Credit One Bank® Visa® - No Deposit Required

Card Details


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Your Rating:

3.8/5.0 from 30 Offer Ratings
Over the Past 60 Days!

(30) Over the Past 60 Days!

  • Regular Purchase APR

    15.65% - 24.15% Variable

  • Intro Purchase APR


  • Intro BT APR


  • Annual Fees


  • Credit Needed



  • Click "APPLY NOW" to apply online
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment it due

Card Fees

Late Payment Fees Up to $35

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 and grocery purchases, 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 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. You can also pick your own recurring payment due date.

Cardholders are able to enjoy 1% in gas rewards with no cap on the number of rewards, which post to your account automatically each month. The Visa Platinum 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 15.65 - 24.15% 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.

Expert Reviews of the Credit One Bank® Visa® - No Deposit Required

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 3.0


  • 2.0


  • star rating 4.0/5

    Overall Rating

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 purchases with no limit to rewards earned. 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 have not been reviewed, approved or otherwise endorsed by Credit One Bank.

Consumer Reviews

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Offer Rating


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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.

+27 users submitted a rating without a full review

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7 Found this review helpful

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By: | Aug 23, 2015

ok' please bare w/ me for just a second. i am a 55 yr. old male who has never applied for cr. card in my life. so all i can say is giving the chance I WILL MAKE GOOD ON MY COMMITMENT to who ever will give me the opertunity to do so. please take a chance on this man !...

2 Replies

By: Bill Hicks | Aug 27, 2015

Hey Scott, my girlfriend was in the same boat as you and she got a Capital one card give them a try if you haven't yet.

By: Sandy Sims | Nov 11, 2015

Capital One is the best if your credit is bad. Try it.

50 Found this review helpful

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By: | Oct 7, 2014

I absolutely love that their is no limit to the 1% cash back on gas purchases. The fees are a bit high though, so I am not quite sure if it is worth it in the long run. However, it can boost your credit score if you are smart about it. So, I would have to give this card only 3 stars.

59 Found this review helpful

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By: | Sep 22, 2014

I actually got a much higher limit than i expected and the cards works :). Only down side high fees. I pay before the bill post to minimize the APR and fees. Its a way back to 750 :)