Credit One Bank Credit Cards Reviews

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Best Benefits

Earn 5X points on eligible recreational & amusement park purchases (including national parks & sporting events)
Earn 3X points on eligible restaurant & lodging purchases (including campgrounds)
Earn 1X on all other eligible purchases
Enjoy extra ways to get cash back rewards with Get More Rewards
$80 statement credit for the purchase of a qualifying National Park Pass, valid at more than 2,000 recreation areas across the U.S. This offer is available within the first year from account opening.
Discount on Thousand Trails Camping Pass and regular-priced experiences with Maverick Helicopters

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Annual Fee: See Terms
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Best Benefits

Earn 3% cash back rewards on eligible internet, cable and satellite TV, and mobile phone service purchases
Earn 2% cash back on eligible dining purchases
Earn 1% cash back on eligible dining purchases
Get access to promotions for WWE Credit Card members

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
Annual Fee: $49
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Best Benefits

Earn 1% cash back rewards on eligible internet, cable and satellite TV, and mobile phone service purchases
Earn 1% cash back on eligible dining purchases
Get access to promotions for WWE Credit Card members

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
Annual Fee: $75 for the first year. After that, $99 annually ($8.25 per month)
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Best Benefits

Earn 3X points on eligible Six Flags purchases
Earn 2X points on eligible gas, grocery, and lodging purchases
Earn 1X on all other eligible purchases
Points never expire

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
Annual Fee: Up to $39
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Best Benefits

Best Friends receives a donation in an amount equal to 1% of eligible purchases
Earn 5% cash back rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year
Get up to 10% More Cash Back Rewards from participating merchants
$0 annual fee for excellent credit

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
Annual Fee: Up to $39
Foreign Transaction Fee: Either $1 or 3% of the transaction amount in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Best Benefits

Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
View your free online access to your Experian credit score, terms apply
Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $10.00/5%, whichever is greater (see terms)
Annual Fee: $95
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39 (terms apply)
Return Payment Penalty Fee: Up to $39 (terms apply)

Credit Card Deals

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Best Benefits

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
View your Experian credit score online for free, terms apply
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
Show off your personality by selecting from a variety of card designs, a fee may apply

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $10.00/5%, whichever is greater (see terms)
Annual Fee: $39
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39 (terms apply)
Return Payment Penalty Fee: Up to $39 (terms apply)

Credit Card Deals

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Best Benefits

Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply
No annual fee for qualified applicants, terms apply
Choose your monthly payment due date for added convenience, terms apply
View your free online access to your Experian credit score, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Rates & Fees

Regular Purchase APR: 23.99% variable based on the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $10.00/5%, whichever is greater (see terms)
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39 (terms apply)
Return Payment Penalty Fee: Up to $39 (terms apply)

Credit Card Deals

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Best Benefits

See if you Pre-Qualify without harming your credit score
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Looking to rebuild credit? We report to the major credit bureaus monthly
View your free online access to your Experian credit score, terms apply
This unsecured card requires no deposit and can help build your credit
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
Show off your personality by selecting from a variety of card designs, a fee may apply

Rates & Fees

Regular Purchase APR: 23.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: $5.00/8%, whichever is greater (see terms)
Annual Fee: $75 to $99
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39 (terms apply)
Return Payment Penalty Fee: Up to $39 (terms apply)

Credit Card Deals

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Best Benefits

Earn 1% cash back on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
Complimentary access to your Experian credit score
Exclusive Vegas Golden Knights offers

Rates & Fees

Regular Purchase APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: Either $5-$10 or 3%-8% of the amount of each cash advance, whichever is greater
Annual Fee: $0 to $95 for the first year. After that, $0 to $99
Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
Late Payment Penalty Fee: Up to $39
Return Payment Penalty Fee: Up to $39

Credit Card Deals

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Credit One Bank Credit Cards

Credit One Bank is a Las Vegas-based bank and financial institution 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 2021, 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 on eligible purchases, but these are limited. The bank has no real rewards program, with redemption options limited to statement credits. 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.

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. These 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 900 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!

Credit One Bank Credit Cards

Who Would Benefit from a Credit One Credit Card?

Features of Credit One Bank Cards

FAQs About Credit One Bank

Browse the Best Credit Cards

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