Credit One Bank® Best Friends® Credit Card

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 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable 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 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Best Friends Credit Card

The Good	The Bad
No annual fee. Credit One Bank® Best Friends® Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Does not include many credit card benefits.

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.

What are the Best Friends Credit Card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Credit One Bank® Best Friends® Credit Card has a variable purchase APR of 25.49%. It also has a variable cash advance APR of 25.49% .

What are the fees for Best Friends Credit Card?

The following fees apply:

Best Friends Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Credit One Bank® Best Friends® Credit Card report your account activity to credit bureaus?

Yes, Credit One Bank® Best Friends® Credit Card reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Best Friends Credit Card

• Visit the Best Friends Credit Card website.
• 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.