Rating: 4 Stars
Bottom Line:
Solid Starter Card with Cash Rewards
TABLE OF CONTENTS
Card Details
| Regular APR: | 17.99% to 23.99% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | 1% cash back rewards on all purchases |
| Credit Needed: | (300 – 669) Bad/Limited/No |
| Annual Fee: | $0 – $99 |
| Card Brand: | Credit One |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Cash Back Rewards – Earn cash back rewards on eligible purchases
- Free Credit Score – View your Experian credit score and credit report summary online
- Zero Fraud Liability – Know you won?t be held responsible for unauthorized charges
- Credit Line Increases – Receive regular account reviews for credit line increases
- More Rewards – Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants
Is Credit One Bank Visa Credit Card worth it?
Credit One Bank Visa is a solid card for people to build credit – it reports to the three major credit bureaus monthly, doesn’t require a deposit upfront, and offers 1% cash rewards on all purchases. Cash rewards are not in the form of traditional cash back, instead they can be redeemed for national, local, and special offers.
Pros
- Free access to Experian credit score monthly online
- Get cash back
Cons
- Higher than average APR
- Up to $99 annual fee
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
4 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | 3% on transaction amount (USD) or $1, whichever is greater. |
| Balance Transfer Fee | No Balance Transfers Allowed |
| Cash Advance Fee | 8% on transaction amount or $5, whichever is greater. Or 5% on transaction amount or $10, whichever is greater. Or 3% on transaction amount or $10, whichever is greater. |
| Penalty APR | None |
Benefits
$0 Fraud Liability
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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