Add cards to start comparing.

Compare Cards
Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Credit One Bank® Unsecured Visa® with Cash Back Rewards

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

Apply Now

on Credit One Bank's secure site

Add to Compare
  • 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®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month
  • Automatic reviews for credit line increase opportunities
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®

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 $5.00/8% or $10.00/3%, whichever is greater (see terms)

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.
 
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. A fee may apply. You can also pick your own recurring payment due date.
 
Cardholders are able to enjoy 1% back on gas and groceries, terms apply. The Platinum Visa 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 17.99% to 23.99% 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® Unsecured Visa® with Cash Back Rewards

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 3.0

    Fees

  • 2.0

    Benefits

  • 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 and grocery 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 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 may not have been reviewed, approved or otherwise endorsed by Credit One Bank.

Consumer Reviews

  • star rating mask

Offer Rating

4.0/5.0

1 Total Ratings

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

Your Rating

Back to top ↑