Credit One Bank® Visa® Cash Back Rewards is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
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Credit One Bank® Visa® Cash Back Rewards
Unaffiliated
from Credit One Bank®
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
23.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
700 - 850
Annual Fee
$39
Credit One Bank® Visa® Cash Back Rewards Review
Credit One Bank® Visa® Cash Back Rewards is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This 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.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 23.99%
- 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.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Credit One credit card
| The Good | The Bad |
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Credit One credit card FAQ
Does Credit One 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 |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit One 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® Visa® Cash Back Rewards has a variable purchase APR of 23.99%. Credit One Bank® Visa® Cash Back Rewards does not offer balance transfers. It also has a variable cash advance APR of 23.99% .
Does Credit One 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® Visa® Cash Back Rewards does not offer balance transfers.Does Credit One 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 Credit One credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does Credit One credit card have a foreign transaction fee?
Credit One 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 Credit One credit card?
The customer service number for Credit One credit card is (877) 825-3242.
What is the support contact email for Credit One credit card?
The support contact email for Credit One credit card is customerservice@creditonebank.com.
How do people rate the customer service and user experience of Credit One credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit One Bank® Visa® Cash Back Rewards report your account activity to credit bureaus?
Yes, Credit One Bank® Visa® Cash Back Rewards 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, Credit One 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 Credit One credit card
- Visit the website of Credit One 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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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25.49%
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-33
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No one recommends
Everyone recommends
Credit One Bank® Visa® Cash Back Rewards Community Reviews
Would you recommend Credit One Bank® Visa® Cash Back Rewards to your friends?
IF
Isbeth F.
Jan 15, 2021
May or may not recommend
Crazy interest rates come out of nowhere. Beware with this bank and always read the fine print.
KV
Kevin V.
Oct 25, 2020
May or may not recommend
This is a card has good chances for approval if your credit score is low. If your minimum payments are made on time for a few months a you will recieve a credit increase. Unfortunately the internet rate is high and late fees are applied immediately. The first day late on a payment and they will call a minimum of ten times a day.
PN
P N.
Oct 16, 2020
May or may not recommend
From my experiences, choosing a type of personal credit card to suit my lifestyle has been really confusing. I found competitive credit card issuers offering the best options to suit my needs as a regular consumer.
Finally, I own a Cash back credit card that offers me seamless rewards when I use them to make purchases!
Showing 3 of 3 reviews
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