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  Credit One Bank® Visa® Credit Card

Credit One Bank® Visa® Credit Card

in Personal Credit Cards from Credit One Bank®

Unaffiliated

Credit One Bank® Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Credit One Bank®

SuperMoney Net Recommendation Score +31%

SUPERMONEY NET RECOMMENDATION SCORE

+31%

-100% 0% +100%
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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly recommended

10 users recommend
1 user is unsure
5 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 17.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Annual Fee $0 - $99
Number of Reviews 16

Credit One Bank® Visa® Credit Card Review

Credit One Bank® Visa® Credit Card is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Visa® Credit Card is the right card for you, read on. This is everything you need to know 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.
  • Accepts cosigners. Credit One Bank® is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Credit One Bank® Visa® Credit Card Pros & Cons
The Good The Bad
  • There is no enrollment fee, which often comes with credit building cards.
  • Automatically get up to 10% more cash back rewards from participating merchants.
  • Accounts are automatically reviewed for credit increase opportunities.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit One Bank® Visa® Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Reward structure is based on creditworthiness. Some customers are offered cash back on all purchases, others are limited.
  • Annual fee and interest rate are based on creditworthiness, and can vary considerably.
  • Not all cardholders qualify for a payment grace period.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1%.
  • You don't earn rewards on every purchase.
Credit One Bank® Visa® Credit Card FAQ

Is there a Credit One Bank® Visa® Credit Card cash back or rewards program?

Credit One Bank® Visa® Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank® Visa® Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Credit One Bank® Visa® Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 1%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Credit One Bank® Visa® Credit Card have a signup bonus?

Credit One Bank® Visa® Credit Card doesn't offer a cash signup bonus.

Does Credit One Bank® Visa® Credit Card offer an annual loyalty bonus?

Credit One Bank® Visa® Credit Card doesn't offer a cash loyalty bonus.

What are the Credit One Bank® Visa® Credit Card benefits?

Credit One Bank® Visa® Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Credit One Bank® Visa® Credit Card?

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® Visa® Credit Card has higher than average purchase APRs.

Credit One Bank® Visa® Credit Card 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® Visa® Credit Card have an introductory APR offer on balance transfers?

No, Credit One Bank® Visa® Credit Card does not come with an introductory APR offer for balance transfers.

Does Credit One Bank® Visa® Credit Card have an introductory APR offer on new purchases?

Credit One Bank® Visa® Credit Card does not offer an introductory rate on new purchases.
Credit One Bank® Visa® Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Credit One Bank® Visa® Credit Card?

The following fees apply to Credit One Bank® Visa® Credit Card:

Credit One Bank® Visa® Credit Card Fees
Fees Amount
Annual Fee Starting at $0 up to $99 (Annual fees vary by year)
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One Bank® Visa® Credit Card have a foreign transaction fee?

Credit One Bank® Visa® Credit Card 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 a foreign transaction fee.

Does Credit One Bank® Visa® Credit Card report your account activity to credit bureaus?

Credit One Bank® Visa® Credit Card 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 can help improve your credit.

How to apply for Credit One Bank® Visa® Credit Card

  • Visit the Credit One Bank® Visa® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Credit One Bank® Visa® Credit Card Disclosure: Annual fee $0 to $75 for the first year. After that, $0 to $99. Late Payment Fee Up to $39 (terms apply) Cash Advance Fee: $5.00/8% or $10.00/3%, whichever is greater (see terms) Foreign Transaction Fee 3% or $1.00, whichever is greater
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.

Contact

  • Headquarters
  •   585 Pilot Rd.
    Las Vegas, NV 89119
  •   Visit Site

About Credit One Bank® Visa® Credit Card

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View all personal credit cards offered by Credit One Bank®

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
Co-signing Allowed  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 720
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Rewards Rates
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 17.99% - 23.99%
Card Type
  • Rewards
  • Cashback
  • Bad Credit
Card Network Visa

Credit One Bank® Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+31%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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