Last Updated: 07/28/2025
Credit One Bank® Best Friends® Credit Card
Unaffiliated
in Credit Cards from Credit One Bank®
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Credit One Bank® Best Friends® Credit Card Review
This is a store cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Best Friends® Credit Card is the right card for you, read on.
Key Takeaways
- Get big rewards on purchases you make every day! Earn 5% cash back rewards on eligible purchases at pet shops, pet foods, and supply stores for the first $5,000 per calendar year, and 1% thereafter.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Best Friends Credit Card
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Best Friends Credit Card FAQ
Does Best Friends Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Best Friends Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Credit One Bank® Best Friends® Credit Card has a variable purchase APR of 25.49%. Credit One Bank® Best Friends® Credit Card does not offer balance transfers. It also has a variable cash advance APR of 25.49% .
Does Best Friends Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Credit One Bank® Best Friends® Credit Card does not offer balance transfers.Does Best Friends Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Best Friends Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Best Friends Credit Card have a foreign transaction fee?
Best Friends Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Best Friends Credit Card?
The customer service number for Best Friends Credit Card is (877) 825-3242.
What is the support contact email for Best Friends Credit Card?
The support contact email for Best Friends Credit Card is customerservice@creditonebank.com.
What is the login page for Best Friends Credit Card?
You can access the login page of Best Friends Credit Card here.
How do people rate the customer service and user experience of Best Friends Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit One Bank® Best Friends® Credit Card report your account activity to credit bureaus?
Yes, Credit One Bank® Best Friends® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Credit One Bank® perform a hard credit pull?
Yes, Best Friends Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Best Friends Credit Card
- Visit the website of Best Friends Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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