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Credit One Bank

Compare Credit One Bank® credit cards

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Credit One offers cards to all types of customers, but it specializes in products for those who are rebuilding credit.

Credit One typically serves the subprime credit market. To apply for one of its cards, you’ll need to get prequalified by providing your Social Security number and total monthly income. The bank will look at your credit profile and offer you cards with certain annual fees, rewards structures and interest grace periods based on what you’ve provided.


Best Credit One credit cards

Credit One offers three credit cards, all of which are similar. Depending on your credit, you’ll receive different rewards.

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Best for strong credit: Credit One Bank® Visa® Cash Back Rewards

Credit One Cash Back Rewards Visa
Credit One Bank® Visa® Cash Back Rewards

This card is very similar to the Credit One Bank® Unsecured Platinum Visa®, the difference being you’ll earn 1% cash back on all eligible purchases instead of just a few categories.


Best for rebuilding credit: Credit One Bank® Unsecured Platinum Visa®

Credit One Bank Platinum Visa
Credit One Bank® Unsecured Platinum Visa®

Pick this card if you’re rebuilding credit. You’ll earn 1% cash back in categories selected by Credit One.


Best for NASCAR fans: Official NASCAR® Credit Card from Credit One Bank®

Official NASCAR® Visa
Official NASCAR® Credit Card from Credit One Bank®

With this 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 Superstore, you’ll earn 2% cash back.


Credit One rewards program

Your Credit One card may come with cashback rewards. You won’t know in advance which categories you’ll receive cash back for.

For Credit One Bank credit cards, you may receive 1% cash back for purchases in categories like gas, groceries, Internet service, mobile phone service and cable and satellite TV services. With excellent credit, you may receive 1% cash back on all eligible purchases.

For Credit One Bank NASCAR credit cards, you may receive 1% cash back on gas and automotive purchases. With excellent credit, you may receive 1% cash back on all eligible purchases. All online NASCAR Superstore purchases receive double cash back.

How can you redeem rewards?

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

How much are rewards worth?

All Credit One reward cards offer a base rate of 1% cash back. Purchases from the online NASCAR Superstore are worth double the rewards rate offered when using the Official NASCAR® Visa.

Typical features and benefits of a Credit One card

  • Purchase APR between 17% and 25% variable. Before applying for a Credit One card, look closely at its purchase APR. The bank’s products come with higher-than-average interest rates.
  • Rewards change based on prequalification criteria. Credit One will assign your card a certain rewards rate based on your credit profile.
  • Range of annual fees. You may receive an annual fee between $0 and $99 based on your credit.
  • Grace period depends on prequalification criteria. You may or may not receive an interest grace period on purchases.
  • No balance transfers. Credit One does not allow you to transfer debt from other sources to your credit card.
  • Pick your due date. Once your first billing cycle is up, pick a new due date for your payments as long it’s six days before or after your current due date.

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.

How does Credit One keep my credit card information secure?

Credit One uses firewalls to protect its systems and networks. It also encrypts data with 128-bit Secure Socket Layer (SSL) technology. So you can see you’re communicating with Credit One and not a third party, Credit One uses a Global Digital Certificate signed by Internet security company Verisign.

The bank sends free fraud alerts that inform you when there are suspicious transactions on your account.

Compare top credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
95
0%
1
Unsecured
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
0%
1
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
550
1
Unsecured
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
680
0%
1.5
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
720
0%
Unsecured
$0
13.99% variable
0% for the first 15 months (then to variable)
A low, variable APR on purchases, balance transfers and cash advances.
680
0%
1.5
Unsecured
$0
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
680
0%
Unsecured
$0
12.74%, 16.74% or 20.74% variable
0% for the first 18 months (then 12.74%, 16.74% or 20.74% variable)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
680
1
Unsecured
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
680
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
680
95
2
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
680
95
3
Unsecured
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
680
3
Unsecured
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
715
495
0%
1
Unsecured
$495
16.99% variable
0% for the first 15 billing cycles (then to variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
195
0%
1
Unsecured
$195
16.99% variable
0% for the first 15 billing cycles (then to variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
715
995
0%
2
Unsecured
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
620
39
Unsecured
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
620
99
Unsecured
$75 annual fee for the first year ($99 thereafter)
23.9% variable
With this card you get a 23.9% Variable APR.
300
48
0%
Unsecured
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
300
Unsecured
Up to
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
720
0%
1
Unsecured
$0
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
720
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
720
450
1
Unsecured
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
690
0%
1.5
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
680
95
1.5
Unsecured
$95
17.74% to 24.74% variable
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
690
0%
1.5
Unsecured
$0
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day
690
0%
1
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
680
1.5
Unsecured
$0
16.74% to 24.74% variable
for the first 12 months (then 16.74% to 24.74% variable)
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
680
0%
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
750
95
2
Unsecured
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable

Compare up to 4 providers

Bottom line

Credit One offers cards to those with excellent credit, but specializes in products for individuals rebuilding credit. Depending on your income and credit, you may receive cash back with your card.

If you’re not sure whether a Credit One product is right for you, check out other credit card providers to compare more options.

Frequently asked questions

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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