Skip to content

Credit One Bank® Visa® for Rebuilding Credit

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Designed for rebuilding poor credit, this card may come in handy if you can’t qualify for any other cards, but it is quite underwhelming otherwise. Due to meager customer service, high fees, and lack of transparency — this card should be considered as a last resort.

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

Credit One Bank® 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:
    • Groceries
    • Gas
    • 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® Visa® for Rebuilding Credit

Highlights

(Rates & Fees)
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • 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.
  • 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 unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms 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

The Credit One Bank Visa for Rebuilding Credit offers very little in terms of rewards, benefits, and transparency. It should probably only be considered as a last resort.

Your credit limit will range from $300 to $3,000, and your annual fee will reduce your available credit until you pay it. Your annual fee is based on Credit One’s judgement of your creditworthiness, anywhere from $0 - $99.

You’ll earn 1% cash back on gas, groceries, and internet/phone services, but this pales in comparison to most cards which offer 1% cash back, at least, on every purchase.

This card does offer Zero Fraud Liability and it reports to the three major credit bureaus, Equifax, TransUnion, and Experian — so if you use the card responsibly it can help you rebuild your credit, but you may have to jump through some hoops.

To learn more about Credit One Bank and why we recommend alternatives to this card, check out our post: Credit One vs. Capital One: Beware! They Are Very Different