Rated 3/5 stars by our editorial team
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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!
17.99% to 23.99% Variable
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
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.
1% on eligible purchases, terms apply
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. The minimun credit line is $300. Future credit line increases may be granted based on your overall credit performance. 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 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.
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.
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