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Credit One Bank® Unsecured Visa® for Rebuilding Credit

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This card offers subpar spending rewards, comes with a high APR and fees, and consumers regularly report very negative customer service. However, if your credit is poor and you need an unsecured card, this might be one of the few options left. Just be sure to read the terms closely if you get approved.

Our rating
Min. credit level: Bad
Annual Fee: $0 - $99
Regular APR: 17.99–23.99% Variable

Credit One Bank® Unsecured Visa® for Rebuilding Credit

Our rating
Bad Min. credit level
$0 - $99 Annual Fee
Apply Now

Highlights & Features

(Rates & Fees)

Rewards

  • 1% cash back on:
    • Gas
    • Groceries
    • Mobile phone services
    • Internet
    • Cable/satellite TV services

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $19
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 23.99% Variable
Cash Advance Fee Either $5 or 8% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
Credit One Bank® Unsecured Visa® for Rebuilding Credit

Highlights

(Rates & Fees)
  • See if you Pre-Qualify without harming your credit score. Find the card that’s right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
  • Always know what’s happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
  • Customize your card by selecting a unique design from Credit One Bank’s card gallery. There are more than 20 options to choose from. A fee may apply.
  • See Rates & Fees
ABOUT THE ISSUER

Credit One Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-825-3242

Designed for rebuilding credit, this unsecured card offers a path to healthier credit scores without requiring a deposit to open an account, but you’ll want to read the fine print.

You’ll earn 1% cash back on groceries, gas, mobile phone services, internet, and cable/satellite TV services. This doesn’t compare to even some secured cards which offer 1% cash back on everything you purchase, but it’s better than nothing.

Your credit line will be from $300–$3,000, but the annual fee of $0 - $99 will eat into that initially. So if you have a $75 annual fee and a $300 credit line, you’ll only be able to access up to $225 until you pay the fee.

Another point of contention is the grace period, or lack of it: You’ll may begin accruing interest once your account opens because you may not get a grace period with this card, and you’re billed the annual fee right off the bat. If you don’t pay off the annual fee when your account opens, you may be hit with interest immediately and until you do.

We say “may” and “potentially” because some applicants will get certain terms, and other applicants will get different terms. If you decide to check your pre-approval status, you’re not able to select which card you want and that decision may be up to the issuer.

This card does report to the three major credit bureaus, but other than that, Zero Fraud Liability and free online access to one of your credit scores from Experian are the only two real benefits for this card.