Credit One Bank Vegas Born Visa Review

This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank Vegas Born Visa 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.

• 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%.
• Cash rewards. This credit card offers cash 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
it's a card designed for people who need to rebuild their credit score. Free access to your credit score. Credit One Bank Vegas Born Visa reports to multiple credit bureaus.	Annual fee and interest rate are based on creditworthiness, and can vary considerably. Currently $0 - $95 for the first year and $0 - $99 after that. Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Rewards bonus rate of only 1% on most everyday purchases. Terms apply*. Does not include many credit card benefits.

Does Credit One Bank Vegas Born Visa 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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Credit One Bank Vegas Born Visa 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 Bank Vegas Born Visa?

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 that ranges from 17.99% up to 23.99%.

What are the fees for Credit One Bank Vegas Born Visa?

The following fees apply:

Credit One Bank Vegas Born Visa 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 Vegas Born Visa report your account activity to credit bureaus?

Yes, Credit One Bank Vegas Born Visa 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 Bank Vegas Born Visa

• Visit the Credit One Bank Vegas Born Visa 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.