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

Credit One Bank® Unsecured Visa® with Cash Back Rewards 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 is everything you need to know to make a good choice.

• 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 qualify.

The Good	The Bad
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 every eligible purchase. Terms apply*. You don't earn rewards on every purchase. Does not report to credit bureaus.

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

No, Credit One Bank® Unsecured Visa® with Cash Back Rewards does not offer a rewards program.

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

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

• ID Theft Protection

What are the relevant APRs for Credit One Bank® Unsecured Visa® with 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® Unsecured Visa® with Cash Back Rewards has higher than average purchase APRs.

Credit One Bank® Unsecured Visa® with Cash Back Rewards 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% .

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

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

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

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.