Credit One Credit Card Offers
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.
Current Credit One Bank Credit Card Offers

One-Time Fees
$0
28.24% (V)
annual fee
$75 intro 1st yr, $99 after
monthly fee
$0
rewards rate
0 - 1% Cash Back
Bad Credit
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
- More Details & Reviews About Credit One Bank® Platinum Visa® for Rebuilding Credit

Not Offered
Not Offered
28.24% (V)
annual fee
$39
rewards rate
0 - 1% Cash Back
Fair Credit
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
- More Details & Reviews About Credit One Bank® Platinum Visa®

One-Time Fees
$0
28.24% (V)
annual fee
$0 - $39
monthly fee
$0
rewards rate
1% Cash Back
Bad Credit
Pros
- Qualify with bad credit
- Does not require security deposit
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
- More Details & Reviews About Credit One Bank® NASCAR® Credit Card

Not Offered
Not Offered
28.24% (V)
annual fee
$39
rewards rate
1% Cash Back
Fair Credit
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.
- More Details & Reviews About Credit One Bank American Express® Card

Not Offered
Not Offered
28.24% (V)
annual fee
$95
rewards rate
1 - 5% Cash Back
Fair Credit
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
- More Details & Reviews About Credit One Bank® Platinum X5 Visa®

Not Offered
Not Offered
28.24% (V)
annual fee
$0
rewards rate
0 - 2% Cash Back
Good Credit
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
- More Details & Reviews About Credit One Bank Platinum Rewards Visa with No Annual Fee

Not Offered
Not Offered
28.24% (V)
annual fee
$95
rewards rate
1 - 10 points / $1
Bonus Offer
10,000 points
Bonus Offer
10,000 points
Good Credit
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
- More Details & Reviews About Credit One Bank Wander Card

Secured Card
Min Deposit of $200
One-Time Fees
$0
28.24% (V)
annual fee
$0
monthly fee
$0
rewards rate
0 - 1% Cash Back
Bad Credit
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.
- More Details & Reviews About Credit One Bank® Secured Card
Credit One Bank Credit Card Reviews
What's Your Rating?
I send requested information by mail. But they keep telling to re apply
Please feel free to contact me with any future questions.
This "company" tried to bill me before the card was ever activated!! I cancelled their RIDICULOUS CARD before they activated it, and it's STILL NOT CANCELLED!!
Stay Away From This Company - If they cannot keep track of documents, how are they going to keep track of Transactions???
INCOMPETENT INCOMPETENT INCOMPETENT!!!
Credit One Credit Cards FAQ
Get answers to your questions about Credit One Credit Cards below. For more general questions, visit our Answers section.
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Is Credit One Bank legitimate?
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.
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.
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 likely to be. Credit One may periodically review your account for an automatic credit line increase. This usually occurs after you've had the card for at least 6 months. Credit One doesn't release specific criteria for granting automatic increases.
How Annual Fees Affect Your Credit One Credit Card Limit
It's important to know that if you're approved, the amount of your credit line that's available for spending may be reduced before you even use the card. Most Credit One credit cards charge an annual fee. If your card has an annual fee, it will be automatically applied against your credit line.
If Credit One's maximum credit lines aren't enough to meet your needs, focus on rebuilding your credit to the point where you can apply for a card with the potential for a higher credit line and lower fees.
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 limit 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 the Credit One card for which you're requesting the increase (if you have more than one card).
- Click "Settings," and then "Credit Line Increase."
- Enter your required information and click "Continue".
- Confirm the information and click "Submit" to complete the request.
- You should receive a decision in just a few seconds. If you're approved for a Credit One credit limit increase, the new limit will be effective immediately.
Impact of a Credit One Credit Limit Increase on Your Credit Score
When you request or get an automatic Credit One credit limit increase, Credit One will conduct a soft pull of your credit report, which does not affect your credit score.
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 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 check 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.
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 the best credit card for your needs is issued by Credit One, you may still want to apply. After all, Credit One does offer cards such as the Credit One Bank American Express® Card, which has features like purchase protection and travel accident insurance that certainly aren't bad.
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.
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