Credit One Bank® Visa® Cash Back Rewards

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 Credit Cards and quickly find the best options for your needs.

This is a cashback card issued by Credit One Bank®. If you're wondering whether Credit One credit card is the right card for you, read on.

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%
• 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 will have low approval odds if your credit score is below 700.

Pros & Cons of Credit One credit card

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. You need good credit to qualify. Charges an annual fee of $39 Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Does not include many credit card benefits.

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.

What are the Credit One credit card benefits?

It provides the following benefits:

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

What are the fees for Credit One credit card?

The following fees apply:

Credit One credit card Fees

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

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

Yes, 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 may help improve your credit.

How to apply for Credit One credit card

• Visit the Credit One 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.