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Credit One Bank® Visa® with Free Credit Score Tracking

Credit One Bank® Visa® with Free Credit Score Tracking

 

Rated 3/5 stars by our editorial team

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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 19.99% - 25.99% Variable
  • Intro Purchase APR N/A*
  • Intro BT APR N/A*
  • Annual Fee $0-$99
  • Credit Needed

    Average/Fair

  • Card Brand Visa®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy peace of mind with $0 Fraud Liability 
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply 
  • View updates to your Experian credit score with free online access, terms apply 
  • Make paying your bill easier with the ability to choose your payment due date, terms apply  
  • Access your account on-the-go with the Credit One Bank mobile app 
  • Never miss an account update with customizable text and email alerts 
  • Show off your personality by selecting from a variety of card designs, a fee may apply

Card Fees

Foreign Transaction Fee Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.

Balance Transfer Fee N/A

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 1% on eligible purchases, terms apply

Annual Fee $0-$99

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 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 1% on eligible purchases, terms apply. The Credit One Bank® Visa® with Free Credit Score Tracking 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 19.99% - 25.99% 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.

Expert Reviews of the Credit One Bank® Visa® with Free Credit Score Tracking

  • 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® Visa® with Free Credit Score Tracking 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.

The Good

Card holders can earn 1% on eligible purchases, 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.

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.

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

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

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.

+6 users submitted a rating without a full review

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91 Found this review helpful

By: | 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.

100 Found this review helpful

By: | 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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