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This very basic Visa card is designed for consumers with poor credit, offering 5% or 1% cash back in a small handful of categories and a free option for checking one of your credit scores from Experian, but that’s about it. This asks an annual fee of $95 for the privilege of rebuilding your credit.
You’ll earn 1% cash back on groceries, gas, mobile phone services, internet, and cable/satellite TV services, but that’s lackluster compared to most reward cards which offer 1% back on all purchases, at least.
You can view one of your credit scores from Experian for free and you’re protected with Visa Zero Fraud Liability, but that’s about it when it comes to benefits or worthy perks.
This card could be a suitable path for rebuilding poor credit, and the annual fee is only $95. Just take note it has a higher-than-average interest rate and very negative consumer reviews.
Check out our post to see why we typically don’t recommend cards from this issuer: Credit One vs. Capital One: Beware! They Are Very Different