Credit One Bank Credit Cards

 

Credit One Bank Credit Cards

Credit One Bank is a Las Vegas-based bank that specializes in credit card products. The bank offers seven credit cards that it markets towards those with poor credit scores to excellent credit. As of 2020, Credit One has over seven million credit cards in circulation, making it one of the top credit card issuers in the United States.

Offers from Credit One typically take the form of prequalification. These prequalifying offers come from email messages, through mail offers, or via the prequalification page on the bank’s website, www.creditonebank.com. These offers will have interest rates, annual fees, and terms and conditions specific to each applicant.

Who Would Benefit from a Credit One Credit Card?

Credit One Bank offers credit card products designed for those who want to build their credit score. Credit One specializes in cards for those with bad or fair credit scores, as they come with average interest rates, basic rewards, and charge an annual fee. Credit One is one of the best credit cards that will approve bad credit, and often is near the top of the list of best credit card to apply with bad credit.

Credit One Bank regularly reviews the accounts of cardholders and provides credit line increases where possible. Since repairing credit requires keeping credit utilization low and making on-time payments, Credit One actively encourages holders to boost their credit with the promise of more significant credit opportunities.

Features of Credit One Bank Cards

• Basic Cash Back Rewards: Most Credit One cards earn an unlimited 1% back with every purchase. Select cards earn additional rewards, but these are limited. The Platinum Premier Visa, for instance, earns 5% back, but only for the first $5,000 in purchases each year. While these rewards aren’t exceptional, they are an enticing perk for those with subprime credit scores.
• Variable Annual Fees: Credit One charges different annual fees for different applicants. For those with good credit scores, they may receive an offer for no annual fee. Others, however, can expect a yearly fee that may climb as high as $99. The exact charge will vary according to the applicant’s credit score but expect to pay a fee when getting a card from Credit One.
• Online Features: Cardholders can use the credit one app to pay their bill, freeze their Credit One account, or review their card charges. They can also go to creditonebank.com to check their application status, make a payment, or check the status of a claim.

Alternatives to Credit One Credit Cards

Trying to find a credit card is difficult – especially if you have poor credit. Here are some of our favorite offers for those rebuilding their credit:

Read the Indigo® Platinum Mastercard® Review 

The Indigo Platinum Card is similar to the Milestone Gold in that it features a fixed-rate APR, modest annual fee, and prequalification. 

Why Choose the Indigo Platinum? 

• Slightly lower APR than many credit cards for bad credit  
• Quick prequalification 
• Choose your card design 
• Mastercard is accepted in 212 countries worldwide 

Read the Milestone® Gold Mastercard® Review 

The Milestone Gold Card is designed with those with bad credit in mind. The card offers a fixed-rate APR, quick prequalification, and a modest annual fee. 

Why Choose the Milestone Gold? 

• Slightly lower APR than the many credit cards for bad credit 
• No credit score impact when applying 
• Quick prequalification 
• Mastercard is accepted in 212 countries worldwide 

FAQs About Credit One Bank

Here are answers to commonly asked questions about Credit One Bank:

Is Credit One Bank a real bank?

• Yes. Credit One is a real bank that issues unsecured credit cards to people with bad credit, fair credit, or no credit history. Read our Credit One Bank credit card reviews for more info.

Does Credit One Bank issue a secured card?

• Credit One Bank does not offer a secured credit card at this time. Fortunately, there are many excellent secured credit cards to choose from other issuers, including the OpenSky Secured Visa.

How can I contact Credit One customer service?

• Credit One customer service representatives can be reached at 1 (877) 825-3242. Customers can access real customer service personnel through that number, who will provide information on current Credit One credit card accounts, payment history, account and application status, and more. You can also contact customer service or access account information through the Credit One app – just login.

What’s the best way to raise your credit score?

• The best way to repair your credit is by paying your bills on time and reducing your overall debt. Thes two factors account for 65% of your FICO Score. For more information on repairing your credit, please visit our dedicated credit repair and bad credit resources.

How can I pay my Credit One credit card bill?

• The easiest way to pay your Credit One statement is by logging on to creditonebank.com and signing in to your online account.

Does Credit One offer an Amex Card?

• Yes. The Credit One Amex bank credit card is a great entry into the world of American Express. While Credit One requires applicants to have a good credit score to get approved for the American Express Card, its a great starter card for those who want to advance to better rewards in the future.

How do I login to my Credit One account?

• Credit One credit card and banking customers can easily login to their accounts via the bank’s website and mobile apps. The easiest way to view your Credit One balance or pay your bill is to visit creditonebank.com, find the section for logging on, enter your Credit One card details, and login to your account.

Browse the Best Credit Cards

We know how hard it can be to find a credit card that’s just right. That’s why we’ve accumulated an impressive collection of over 800 credit card reviews covering issuers of all sizes and locations. Browse our excellent credit card news and advice resources, read our in-depth reviews, and find your best card today!