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  Credit One Bank® Visa® Cash Back Rewards

Credit One Bank® Visa® Cash Back Rewards

in Personal Credit Cards from Credit One Bank®

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Credit One Bank® Visa® Cash Back Rewards

Unaffiliated

in Personal Credit Cards from Credit One Bank®

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Highlights
Highlights
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $0 - $99

Credit One Bank® Visa® Cash Back Rewards Review

Credit One Bank® Visa® Cash Back Rewards is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Visa® Cash Back Rewards is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.99%
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $99 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Credit One Bank® Visa® Cash Back Rewards Pros and Cons:

The Good The Bad
  • Free access to your credit score.
  • Credit One Bank® Visa® Cash Back Rewards reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Credit One Bank® Visa® Cash Back Rewards cash back or rewards program?

No, Credit One Bank® Visa® Cash Back Rewards does not offer a rewards program. Credit One Bank® Visa® Cash Back Rewards is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Credit One Bank® Visa® Cash Back Rewards benefits?

Credit One Bank® Visa® Cash Back Rewards provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Credit One Bank® Visa® Cash Back Rewards?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Credit One Bank® Visa® Cash Back Rewards has higher than average purchase APRs.

Credit One Bank® Visa® Cash Back Rewards has a variable purchase APR of 23.99%. It also has a variable cash advance APR of 23.99% .

Does Credit One Bank® Visa® Cash Back Rewards have an introductory APR offer on balance transfers?

No, Credit One Bank® Visa® Cash Back Rewards does not come with an introductory APR offer for balance transfers.

Does Credit One Bank® Visa® Cash Back Rewards have an introductory APR offer on new purchases?

Credit One Bank® Visa® Cash Back Rewards does not offer an introductory rate on new purchases.
Credit One Bank® Visa® Cash Back Rewards Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Credit One Bank® Visa® Cash Back Rewards?

The following fees apply to Credit One Bank® Visa® Cash Back Rewards:

Credit One Bank® Visa® Cash Back Rewards Fees
Fees Amount
Annual Fee Starting at $0 up to $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One Bank® Visa® Cash Back Rewards have a foreign transaction fee?

Credit One Bank® Visa® Cash Back Rewards charges a foreign transaction fee of 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 a foreign transaction fee.

Does Credit One Bank® Visa® Cash Back Rewards report your account activity to credit bureaus?

Credit One Bank® Visa® Cash Back Rewards 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 can help improve your credit.

How to apply for Credit One Bank® Visa® Cash Back Rewards

  • Visit the Credit One Bank® Visa® Cash Back Rewards 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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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Contact

  • Headquarters
  •   585 Pilot Rd.
    Las Vegas, NV 89119
  •   Visit Site

About Credit One Bank® Visa® Cash Back Rewards

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $0 - $99
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Credit Score Range 700 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Rewards Rates
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 23.99%

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