
You can compare the latest Credit One credit card offers below. If you already have an account with Credit One and can’t find the answer to your question on this page, you can reach Credit One’s customer service department at 877-825-3242.
Best Credit One Bank Credit Cards for September 2023
Credit One Credit Card Offers
One-Time Fees
$0
28.99% (V)
annual fee
$75 intro 1st yr, $99 after
monthly fee
$0
rewards rate
0 - 1% Cash Back
Bad
Pros
- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
Cons
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Additional Info
- See if you Pre-Qualify without harming your credit score
- 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
- Free Online Credit Score and Credit Report summary, 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
Not Offered
Not Offered
28.99% (V)
annual fee
$39
rewards rate
0 - 1% Cash Back
Fair
Pros
- Rewards on eligible purchases
- Qualify with fair credit
Cons
- Membership fees
- High regular APR
- Foreign fee
Rewards Details
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Additional Info
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Free Online Credit Score and Credit Report summary, 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

Not Offered
Not Offered
28.99% (V)
annual fee
$0 - $39
rewards rate
1% Cash Back
Fair
Pros
- Qualify with fair credit
Cons
- Membership fees
- High regular APR
- Foreign fee
Rewards Details
- Earn 1% cash back on all purchases.
Additional Info
- Experience a more rewarding way to shop, dine, travel, and more with access to American Express Offers that feature some of the nation's top brands
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- View your free online access to your Experian credit score, terms apply
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Not Offered
Not Offered
28.99% (V)
annual fee
$39
rewards rate
1% Cash Back
Fair
Pros
- Qualify with fair credit
Cons
- Membership fees
- High regular APR
- Foreign fee
Rewards Details
- Earn unlimited 1% cash back rewards on all purchases—no categories to choose or points to redeem.
- Earned rewards are credited to your account automatically. Terms apply.
Additional Info
- Monitor your credit health and track your progress with free online access to your Experian credit score every month.
- Stay in-the-know with transaction notifications, payment reminders, and fraud alerts delivered via text, push notification, or email.
- Stay worry-free with Zero Fraud Liability, which protects you against any unauthorized charges.

Not Offered
Not Offered
28.99% (V)
annual fee
$95
rewards rate
1 - 5% Cash Back
Fair
Pros
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
Cons
- Membership fees
- Spending caps on rewards
- High regular APR
- Foreign fee
Rewards Details
- 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
Additional Info
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Free Online Credit Score and Credit Report summary, 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

Not Offered
Not Offered
28.99% (V)
annual fee
$0
rewards rate
0 - 2% Cash Back
Good
Pros
- No membership fees
- High rewards rate
Cons
- No initial rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Foreign fee
Rewards Details
- Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply
Additional Info
- No annual fee for qualified applicants, terms apply
- Choose your monthly payment due date for added convenience, terms apply
- Free Online Credit Score and Credit Report summary, 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

Not Offered
Not Offered
28.99% (V)
annual fee
$95
rewards rate
1 - 10 points / $1
Bonus Offer
10,000 points
Bonus Offer
10,000 points
Good
Pros
- High rewards rate
- 10,000 points initial rewards bonus
- No foreign fee
Cons
- Membership fees
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel.
- Earn 10X points on eligible hotels and car rentals booked using the Credit One Bank travel partner site.
- Earn 5X points on eligible travel, dining, and gas.
- Earn 1X points on all other purchases.
- Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more.
Additional Info
- With $0 Fraud Liability, you won't be responsible for unauthorized charges
- Free Online Credit Score and Credit Report summary, terms apply
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Secured Card
Min Deposit of $200
One-Time Fees
$0
28.99% (V)
annual fee
$0
monthly fee
$0
rewards rate
0 - 1% Cash Back
Bad
Pros
- No membership fees
- Qualify with bad credit
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
- Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
Additional Info
- Your credit card activity gets reported to the three major credit reporting agencies. Responsible use of the card can help you establish a positive credit history
- Your security deposit account earns interest rate.
- Zero Fraud Liability.
- Free Online Access to credit score.
- Easy-To-Use Mobile App and Customizable Notifications.
Credit One Bank Credit Card Reviews
What's Your Rating?
Try to pay my credit card as often as I can
I love the app online
I have Referred, family and friends to open up an account with you guys
Credit One Credit Cards FAQ
Get answers to your questions about Credit One Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
- Most Popular
- Most Upvotes
Is Credit One Bank legitimate?
Credit One Bank is a real 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.
Some people question whether Credit One is real because it has no physical branch locations, operating online only. Another major reason people might...
What is the maximum credit line for a Credit One credit card?
The maximum credit line for a Credit One credit card is not publicly disclosed by the issuer. If approved for a Credit One card, applicants can expect a minimum credit line of $300 to $500 initially, depending on the card and their credit standing.
Credit One cards are designed for people of various credit levels, from bad to good credit or better. The lower your credit score is, the lower your Credit One account's maximum spending amount is...
How do I get a Credit One Bank credit limit increase?
Credit One might automatically increase your credit limit after six months, or you can request a Credit One credit line increase online or by calling (877) 825-3242. For the best odds, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Credit One has on file.
How to Get a Credit One Credit Limit Increase Online
- Log in to your online account.
- Choose...
What credit score do you need for a Credit One credit card?
The credit score you need for a Credit One credit card is at least 500-700, 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...
Is Credit One a good credit card company?
No, Credit One is not a good credit card company because Credit One credit cards have high foreign transaction fees and above-average annual fees. Credit One credit cards also have an average user rating of 3.4/5 on WalletHub, based on more than 13,000 reviews, only about 25% of which are 5 stars.
All card issuers have strengths and weaknesses, however, and people's experiences with credit card companies can vary widely. If you find that...
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.