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Credit One Bank® Unsecured Visa® with Cash Back Rewards

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With this Credit One card you’ll potentially run into some unusual fees and an above-average APR, and you may have to deal with poor customer service. But if you have poor credit and you’d like an unsecured option, this last-resort card may work for you.

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

Credit One Bank® Unsecured Visa® with Cash Back Rewards

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® with Cash Back Rewards

Highlights

(Rates & Fees)
  • See if you Pre-Qualify in less than 60 seconds–without affecting your credit score. It’s fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card–not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
  • 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.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply.
  • See Rates & Fees
ABOUT THE ISSUER

Credit One Bank

Credit One Bank has several card types depending on your needs.

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

See all Issuer Cards

If you’re trying to rebuild poor credit and just need a basic card with a small credit line, you could consider this card… but be warned. You won’t see much in terms of benefits — there’s no signup bonus, no perks, some very meager rewards, and lots of negative consumer reviews.

You’ll earn just 1% cash back on gas and groceries, mobile phone services, internet, and cable/satellite TV services.

Your annual fee is $0–$99, and you’ll want to pay it off as soon as possible, for two reasons. If you have a $300 credit line and your annual fee is $75, your available credit will be limited to $225. You’ll also start paying interest as soon as your account is opened and until you pay off the balance (if you’re issued a card with an annual fee).

Take note that your card may come with no grace period for purchases, meaning as soon as you make a purchase you’ll begin accruing interest immediately. Most credit cards typically offer a grace period of around 25 days, but this card may not. Make sure to read the terms carefully if you get approved.

If you’re confused by the ambiguity and lack of transparency from Credit One Bank, don’t worry. We are too. Check out our post on Credit One vs. Capital One: Beware! They Are Very Different to see why we typically recommend steering clear of this issuer.