You can get a Credit One annual fee waived by calling customer service at (877) 825-3242 and requesting a fee waiver, or by enrolling in Credit One's Credit Protection Program. Through this program, Credit One will waive the annual fee for up to 6 months for involuntarily unemployed or disabled cardholders.
Credit One normally doesn't grant annual fee waivers outside of its Credit Protection Program, but if you call customer service and the representative declines to waive your annual fee, state that you'd like to close the account. They may offer to waive the annual fee to keep you as a customer. You may have to call more than once before you get a representative who's willing to negotiate, and there's no guarantee this approach will work.
How to Avoid a Credit One Credit Card Annual Fee Altogether
Credit One does offer cards that could help you avoid paying an annual fee altogether. The Credit One Bank Platinum Rewards Visa with No Annual Fee, true to its name, has a $0 annual fee. And some co-branded Credit One cards may or may not charge an annual fee. It depends on your credit standing, which Credit One determines based on a review of your credit score, payment history and existing debt, along with other criteria.
Note that if you apply for one of the co-branded Credit One cards that don't have a fixed annual fee, you won't know how much this fee will be until you're approved. If you are charged an annual fee, you're eligible for a full refund if you cancel the card and have not made any transactions on the account.