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Credit One Bank® credit cards: Which is best for you?

There are better secured cards available than those you'll find here.

Compare Credit One Bank® cards

Use our table to compare Credit One Bank® credit cards. Narrow your search by selecting "Show filters" and view products that fit your credit score range and have features that will benefit you most.

Name Product Annual fee Purchase APR Recommended minimum credit score
Credit One Bank® Platinum Visa®
$39
23.99% variable
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
Credit One Bank® Platinum Visa® for Rebuilding Credit
$75 intro annual fee for the first year ($99 thereafter)
23.99% variable
An unsecured card for building credit with 1% cash back on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
Credit One Bank® NASCAR® Credit Card
$39 to $99
23.99% variable
Earn 2% cash back rewards at the NASCAR Shop and 1% back on eligible gas and automotive purchases.
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Compare up to 4 providers

Credit One Bank largely serves the subprime credit market and offers a variety of secured cards of average to below-average quality. Put simply, the annual fees and high APRs of these card make them unreliable for building credit safely. But if other secured cards are out of your reach, you can use our table to compare Credit One Bank credit card options and find one that best suits your credit-building needs.

What are the best Credit One cards?

The best Credit One credit card is the one that allows you to rebuild your credit score without cutting into your finances. We compared available Credit One credit cards based on several features, including fees, APR and security deposits. We ranked the top-performing cards in areas they best excelled in. Bear in mind however that there are stronger secured cards on the market.

Best for rebuilding credit
Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit logo
Finder Rating: 3.5 / 5

★★★★★

Credit recommended (-)
Apply now
on Credit One Bank®'s secure site

Min. credit score
$99 ongoing
Annual fee
Up to1%
Cash back
n/a
Welcome offer
Pick this Credit One card if you're rebuilding credit. You'll earn 1% cash back in categories selected by Credit One.
  • Annual fee: Potential for $0 annual fee. Annual fees range from to , depending on creditworthiness.
  • Minimum credit line. If you're approved for this card, you'll receive at least a $300 credit line.
  • Rewards: Cash back in select categories. You'll earn 1% cash back in eligible categories based on Credit One's discretion. Categories may include gas, groceries, cable and satellite TV service, dining, mobile phone service, Internet service and more.
Annual Fee $75 intro annual fee for the first year ($99 thereafter)
Purchase APR 23.99% variable
Balance transfer APR N/A
Welcome offerN/A
Estimated welcome offer value
Rewards1% cash back rewards on eligible gas, groceries, mobile phone, internet, cable and satellite TV services

Best for NASCAR fans
Credit One Bank® NASCAR® Credit Card

Credit One Bank® NASCAR® Credit Card logo
Credit recommended (-)
Apply now
on Credit One Bank®'s secure site

Min. credit score
$39 to $99
Annual fee
Up to2%
Cash back
n/a
Welcome offer
With this Credit One card, you'll earn 1% cash back on categories determined by Credit One. The better your credit, the more likely you are to earn that rate on all eligible purchases. At the online NASCAR Shop, you'll earn 2% cash back.
  • Annual fee: Potential for $39 annual fee. Depending on your creditworthiness, your annual fee will be between $39 and $99
  • Minimum credit line. If you're approved for this card, you'll receive at least a $300 credit line.
  • Rewards: Cash back in select categories. With excellent credit, you'll earn 1% cash back on all eligible purchases. With average or low credit, you'll earn 1% cash back on eligible gas and automotive purchases.
  • NASCAR rewards. You'll earn 2% cash back at the online NASCAR Shop.
Annual Fee $39 to $99
Purchase APR 23.99% variable
Balance transfer APR N/A
Welcome offerN/A
Estimated welcome offer value
Rewards2% cash back rewards at the NASCAR Shop and 1% back on eligible gas and automotive purchases

Best credit card for unlimited cash back on all purchases
Credit One Bank® American Express® Card

Credit One Bank® American Express® Card logo
Credit recommended (670-850)
670
Min. credit score
$39
Annual fee
Up to1%
Cash back
n/a
Welcome offer
The Credit One Bank American Express Card is the only Credit One card with a guaranteed 1% cash back on all purchases. Unlike other cards from this provider, you get to use the Amex Offers program that lets you earn additional cash back on select purchases after you enroll.
  • Cash back. Earn flat 1% cash back on everything you buy.
  • Amex Offers. Earn additional cash back on select purchases in categories such as dining, shopping and travel. But you have to activate your offers before you can use them.
  • Travel insurance. Get up to $150,000 travel accident insurance when you use this card for travel purchases.
Annual Fee $39
Purchase APR 25.49% fixed
Balance transfer APR N/A
Welcome offerN/A
Estimated welcome offer value
Rewards1% cash back rewards on all purchases

How to apply for a Credit One card

Before selecting a Credit One card, you need to get prequalified. Visit the bank’s website and provide basic information about yourself. Then click See card offers to view cards you qualify for.

Eligibility criteria

  • You’re at least 18 years old.
  • You don’t live in a US territory.

Information you’ll need

To complete the application, you’ll need to provide information that includes:

  • Your name and residential address.
  • Your Social Security number and date of birth.
  • Your email address and phone number.
  • Your total monthly income.

Types of Credit One credit cards

All Credit One cards are designed for building credit. But the provider does offer a few “flavors” of secured cards depending on your credit score, including the ability to earn cash back or forgo an annual fee.

Standout benefits of a Credit One Bank credit card

Generally speaking, there aren’t any. Credit One Bank secured cards possess higher-than-average interest rates, annual fees and uncertainties surrounding the card’s rewards and terms based on your credit score. Some customers have also reported that Credit One Bank is slow to process payments. None of this is good news for a card designed to help you build credit.

Credit One rewards program

Depending on the Credit One card and your creditworthiness, you may or may not get cashback rewards. For some of the cards, you won’t know in advance which categories you’ll receive cash back for.

Credit cardCash back
Platinum Visa For Rebuilding CreditEarn 1% cash back on gas and groceries, on monthly mobile phone, Internet, cable and satellite TV services*
Credit One Bank® Platinum Rewards VisaEarn 5% cash back on gas, groceries, Internet, cable, satellite TV and mobile phone service on the first $5,000 in combined purchases each year, 1% after that
Earn 1% back on all other purchases
Credit One Bank® American Express® CardEarn unlimited 1% cash back on all purchases
Credit One Bank® Platinum Rewards Visa with No Annual FeeEarn 2% cash back on gas, groceries, Internet, cable, satellite TV and mobile phone services.
Credit One Bank® Platinum Visa® for Rebuilding CreditEarn 1% cash back on gas and grocery purchases, on mobile phone, Internet, cable and satellite TV services*
Credit One Bank® NASCAR® Credit CardEarn 1% cash back on gas and automotive purchases
Earn 2% cash back on NASCAR.com purchasesOr 1% cash back on eligible purchases and 2% back NASCAR.com purchases*
Vegas Golden Knights Credit CardEarn 1% cash back on eligible purchases

* Depends on your creditworthiness

How can you redeem rewards?

You’ll receive cash back in the form of statement credit. Credit One Bank will apply the statement credit to your account automatically on each statement that has at least one eligible purchase.

Full list of Credit One Bank credit cards

Credit One bank credit cards alternatives

Credit One Bank credit cards aren’t your best first choice of secured card when it comes to building credit. You’ll find better options from bigger banks, such as Bank of America, Discover, and Capital One.

If you want to compare all of your secured card options, check out our best secured credit cards to find a more favorable secured card for your wallet.

Frequently asked questions

    • Is Credit One affiliated with Capital One?
      Though their names — and even their logos — are similar, the companies aren’t affiliated with each other.
    • Will Credit One increase my credit line?
      The minimum credit line is $300, but Credit One says it may increase credit lines based on responsible card use.

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