Last Updated: 07/28/2025
Credit One Bank® Best Friends® Credit Card
Unaffiliated
from Credit One Bank®
Last Updated: 07/28/2025
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Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
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Annual Fee
Credit One Bank® Best Friends® Credit Card Review
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
| The Good | The Bad |
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Best Friends Credit Card FAQ
Does Best Friends Credit Card have a cash back or rewards program?
| 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.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% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
What is the support contact email for Best Friends Credit Card?
How do people rate the customer service and user experience of Best Friends Credit Card?
Does Credit One Bank® Best Friends® Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Credit One Bank® perform a hard credit pull?
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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Annual Fee
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Balance Transfer APR
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850
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850
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