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  Credit One Bank Cash Back Rewards Visa

Credit One Bank Cash Back Rewards Visa

in Personal Credit Cards from Credit One Bank

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Credit One Bank Cash Back Rewards Visa

Unaffiliated

in Personal Credit Cards from Credit One Bank

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Highlights
Highlights
Community Rating Strongly recommended
Annual Fee $75
Purchase APR (Variable APR) 20.24% - 26.24%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 560 - 850

Credit One Bank Cash Back Rewards Visa Review

Credit One Bank Cash Back Rewards Visa is a cashback credit card issued by Credit One Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 560.

Accepts cosigners. Credit One Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

If you're wondering whether Credit One Bank Cash Back Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Credit One Bank Cash Back Rewards Visa
Pros Cons
  • The Credit One Cash Back Rewards Visa helps to rebuild credit by reporting to the major credit bureaus monthly
  • There is no enrollment fee, which often comes with credit building cards.
  • Customers can choose their due date.
  • Accounts are automatically reviewed for credit increase opportunities.
  • 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 card holders qualify for a payment grace period.
  • Is there a Credit One Bank Cash Back Rewards Visa cash back or rewards program?

    Credit One Bank Cash Back Rewards Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank Cash Back Rewards Visa 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 Cash Back Rewards Visa Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    Does Credit One Bank Cash Back Rewards Visa have a signup bonus?

    Credit One Bank Cash Back Rewards Visa doesn't offer a cash signup bonus.

    Does Credit One Bank Cash Back Rewards Visa offer an annual loyalty bonus?

    Credit One Bank Cash Back Rewards Visa doesn't offer a cash loyalty bonus.

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

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

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Fraud Liability
    • Travel Accident Insurance
    • ID Theft Protection
    • Reports to major credit bureaus

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

    Credit One Bank Cash Back Rewards Visa has a variable purchase APR that ranges from 20.24% up to 26.24%.

    It also has a variable cash advance APR starting at 26.24% .

    Does Credit One Bank Cash Back Rewards Visa have an introductory APR offer?

    Credit One Bank Cash Back Rewards Visa does not offer an introductory rate on new purchases.
    Credit One Bank Cash Back Rewards Visa Rates & Terms
    Purchase APR 20.24% - 26.24%
    Cash Advance APR Starting at 26.24%

    What are the Credit One Bank Cash Back Rewards Visa fees?

    $75 Annual Fee. Credit One Bank Cash Back Rewards Visa charges an annual fee of $75.

    3% Foreign transaction fees. Credit One Bank Cash Back Rewards Visa 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.

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

    Credit One Bank Cash Back Rewards Visa Fees
    Fees Amount
    Annual Fee $75
    Foreign Transaction Fee 3%
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

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

    Credit One Bank Cash Back Rewards Visa reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for Credit One Bank Cash Back Rewards Visa

    • Visit the Credit One Bank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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.
    CREDIT ONE BANK CASH BACK REWARDS VISA Disclosure: Annual fee $0 to $75 for the first year. After that, $0 to $99.
    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...

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    About Credit One Bank Cash Back Rewards Visa

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Grace Period for Late Payment (Days) 24
    Paper Statement Fee $0
    Returned Payment Fee Up to $39
    Minimum Interest Charge $1
    Annual Fee $75
    Late Fee Amount Up to $39
    Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) Starting at 3%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 560 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Fraud Liability  
    Travel Insurance  
    Free FICO Score  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Travel Accident Insurance
    All Other Purchases 1% cashback on all, or select purchases based on creditworthiness
    Rewards Categories
    • Every Purchase
    Purchase APR (Variable APR) 20.24% - 26.24%
    Cash Advance APR (Variable APR) Starting at 26.24%
    Balance Computation average daily balance (including new purchases)

    Credit One Bank Cash Back Rewards Visa Community Reviews

     
     

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