How do I apply for a Credit One credit card?

The credit score you need for a Credit One credit card is at least 300-700, depending on the card. Credit One credit cards are available to applicants with credit scores ranging from bad to good or better.

So, it's possible to be approved despite having a damaged credit score or limited credit history. Also, if your credit score is below the threshold needed for a credit card from Credit One, it’s best to wait and apply after you meet the credit score requirement. You can ... read full answercheck your credit score for free on WalletHub.

Credit One Credit Score Requirements by Card

• Credit One Bank® Platinum Visa® for Rebuilding Credit: 300 (Bad credit)
• Credit One Bank® Secured Card: 300 (Bad credit)
• Credit One Bank® Platinum Visa®: 640 (Fair credit)
• Credit One Bank® Platinum X5 Visa®: 640 (Fair credit)
• Credit One Bank American Express® Card: 640 (Fair credit)
• Credit One Bank Platinum Rewards Visa with No Annual Fee: 700 (Good credit)
• Credit One Bank Wander Card: 700 (Good credit)

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Credit One credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

Yes, Credit One does have pre-qualification. Credit One has an online pre-qualification page where potential applicants can quickly check their odds of approval for certain Credit One credit cards before they actually apply for one. Current Credit One customers may also receive pre-qualified offers periodically by e-mail or when logging into their card’s online account. And in some cases, Credit One will send people pre-qualified offers for a specific credit card in the mail.... read full answer

Getting pre-qualified for a Credit One credit card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.

How to Check for Credit One Pre-Qualification Online

1. Click “See If You Pre-Qualify” on the Credit One website.
2. Log in to your "Credit One account.”
3. Enter your full name, address, income, date of birth, Social Security number, housing status, and whether you’re a student.
4. Click “See Card Offers” to view any pre-qualified offers.

If you have pre-qualified offers, you can apply for the card of your choice directly from the pre-qualification site. Simply click the button next to the card you want, and you will be directed to the card’s application page.

To respond to a pre-qualified offer in the mail, visit the website listed in your pre-qualification letter and enter the invitation code included with your offer. This allows Credit One to flag the application as pre-qualified.

Credit One pre-qualifications do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for any Credit One card, Credit One will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

Yes, Credit One Bank is a legit bank that has been issuing unsecured credit cards for people with limited credit and bad credit since 1984. Credit One Bank has a B+ rating from the Better Business Bureau and is considered to be a major credit card company by the market research firm J.D. Power.... read full answer

Some people question whether Credit One is real because it has no physical branch locations, operating online only. Another major reason people might think Credit One Bank might not be a legitimate company is that its name and logo are quite similar to Capital One’s. Both companies are real (and they’re not related). Capital One is just bigger, more well-known and has more credit cards to choose from. And Credit One does not offer financial products aside from credit cards.

Here’s why Credit One Bank is legit:

• Credit One Bank is a legitimate company, founded in 1984.
• About 10 million people have a Credit One Bank credit card.
• Credit One Bank has been accredited by the Better Business Bureau (BBB) since 2011.
• Credit One has a B+ BBB rating. The BBB notes a pattern of customer complaints about billing and credit-reporting issues made against the company.
• Credit One Bank has paid more than $128 million in cash back rewards to cardholders to date. The company also gave $2.5 million to charity in 2021.
• Credit One Bank is among the major credit card issuers included in J.D. Power’s annual U.S. Credit Card Satisfaction Survey. Credit One does rank at the bottom among national issuers, though.
• Credit One is a completely separate company from Capital One, even though their logos look similar. And Credit One actually had its logo first.
• You can learn about Credit One on their official, secure website.

Credit One is legit. Whether a Credit One credit card is the best option for you depends on your unique financial needs. For example, the Credit One Bank® Platinum Visa® for Rebuilding Credit is considered one of the best unsecured credit cards for bad credit on the market.

Here are some of the best Credit One credit cards:

You can also check our editors’ latest picks for the best Credit One credit cards on the market to weigh your options.