Rated 3/5 stars by our editorial team
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Credit One Bank® Visa® with Free Credit Score Access
Credit One Bank® Visa® with Free Credit Score Access
Great For
Card Details
Regular Purchase APR
17.99% to 23.99% Variable
Intro Purchase APR
N/A*
Intro BT APR
N/A*
Annual Fee
$0-$99
Credit Needed
Bad/Poor
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
- This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
- Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
- Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
- Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply
Card Fees
-
Balance Transfer Fee
N/A
-
Foreign Transaction Fee
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
-
Cash Advance Fee
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.
Ongoing Information
-
Rewards Rate
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply
-
Annual Fee
$0-$99
Expert Reviews
- 2.0 Regular APR
- 0.0 Intro APR
- 3.0 Fees
- 3.0 Benefits
- 3.0
/5 Overall Rating
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 reestablish credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if your track record for payments is good. That helps to bolster your credit score, too, especially if you are disciplined enough to only use a maximum of 25%-30% of your available credit.
Cardholders are able to enjoy Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply. The Credit One Bank® Visa® with Free Credit Score Access can be applied for online or when you receive a card membership invitation through the mail. Your credit limit will be based on your credit worthiness and may be as high as $1,500.
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.
The Good
- Card holders can earn Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply. 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 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.
The Bottom Line
The Credit One Bank® Visa® with Free Credit Score Access 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. In that respect the card does a good job of offering a full-fledged card with several financial management and account oversight tools to help strengthen one’s 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.
+-2 users submitted a rating without a full review
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103 Found this review helpful
By: Cassandra Glenn | Dec 14, 2014
I have had this Credit One Bank card for almost 3 years and I have never had a problem. When I make a purchase I usually pay it off with in 30 days to avoid the interest. It is great for rebuilding your credit. Overall a great asset for your wallet.
106 Found this review helpful
By: Lydia Mayes | Oct 7, 2014
Pretty good card for building credit but the APR is a little high for my liking. Every purchase I pay off right away, to avoid too many charges. I do enjoy having this card and Credit One has always been good with customer support. If you are looking for a card to establish or build existing credit this is a pretty good card.
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