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  Credit One Bank® Unsecured Visa® with Cash Back Rewards

Credit One Bank® Unsecured Visa® with Cash Back Rewards

in Personal Credit Cards from Credit One Bank®

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Credit One Bank® Unsecured Visa® with Cash Back Rewards

Unaffiliated

in Personal Credit Cards from Credit One Bank®

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Highlights
Purchase APR  (Variable APR) 17.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Annual Fee $0 - $99

Credit One Bank® Unsecured Visa® with Cash Back Rewards Review

This is a credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Unsecured Visa® with Cash Back Rewards is the right card for you, read on. This review will provide you with with all the details you need 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 that ranges from 17.99% up to 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Credit One Bank® Unsecured Visa® with Cash Back Rewards
The Good The Bad
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
Credit One Bank® Unsecured Visa® with Cash Back Rewards FAQ

Does Credit One Bank® Unsecured Visa® with Cash Back Rewards have a cash back or rewards program?

No, it does not offer a rewards program.

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

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.99% up to 23.99%. It also has a variable cash advance APR of 23.99% .

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

No, it does not come with an intro APR offer for balance transfers.

Does Credit One Bank® Unsecured Visa® with Cash Back Rewards 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 Bank® Unsecured Visa® with Cash Back Rewards?

The following fees apply:

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

Credit One Bank® Unsecured Visa® with 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 foreign transaction fees.

What is the customer service phone number for Credit One Bank® Unsecured Visa® with Cash Back Rewards?

The Credit One Bank® Unsecured Visa® with Cash Back Rewards customer service number is (877) 825-3242.

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

  • Visit the Credit One Bank® Unsecured Visa® with 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 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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About Credit One Bank® Unsecured Visa® with 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 (%) 3% - 8%
Minimum Cash Advance Fee ($) $5 - $10
Foreign Currency Transaction Fee 3%
Annual Fee $0 - $99
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Additional Card Fee Amount $19
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
Immigration Status Considered
  • U.S. Citizen
Credit Score Range 500 - 720
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Rewards Categories
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 17.99% - 23.99%

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