Credit One Bank® Secured Card
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| Purchase APR (Variable APR) |
25.49% (Verified 09/07/2022) |
| Balance Transfer APR | N/A |
| Credit Score Range | Starting at 650 |
| Annual Fee | $0 |
Credit One Bank® Secured Card Review
This is a secured credit card credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank Secured Card is the right card for you, read on.
Key Takeaways
- Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Credit One Bank Secured Card
| The Good | The Bad |
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Credit One Bank Secured Card FAQ
Does Credit One Bank Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Credit One Bank Secured Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit One Bank Secured Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Credit One Bank® Secured Card has a variable purchase APR of 25.49%. It also has a variable cash advance APR of 25.49% .
Does Credit One Bank Secured Card 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 Secured Card 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 Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Credit One Bank Secured Card have a foreign transaction fee?
Credit One Bank Secured 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 foreign transaction fees.What is the customer service phone number for Credit One Bank Secured Card?
The Credit One Bank Secured Card customer service number is (877) 825-3242.
What is the support contact email for Credit One Bank Secured Card?
The support contact email for Credit One Bank Secured Card is customerservice@creditonebank.com.
What is the Credit One Bank Secured Card login page?
You can access the Credit One Bank Secured Card login page here.
How do people rate the customer service and user experience of Credit One Bank Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit One Bank® Secured Card report your account activity to credit bureaus?
Yes, Credit One Bank® Secured 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 may help improve your credit.
How to apply for Credit One Bank Secured Card
- Visit the Credit One Bank Secured 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
585 Pilot Rd.
Las Vegas, NV 89119 USA - (877) 825-3242
- Visit Site
- Email Support
About Credit One Bank® Secured Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 8% |
| Minimum Cash Advance Fee ($) | $5 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
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