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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.

Compare Credit One Bank® cards

Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee Interest Free Period
19.99% to 25.99% variable
$0 to $99
Up to 24 days
Seeing if you pre-qualify is fast, easy, and secure.
19.99% to 25.99% variable
$0 to $99
Up to 24 days
Get 1% cash back rewards on eligible purchase, terms apply.
19.99% to 25.99% variable
$0 to $99
Up to 24 days
Get double cash back rewards at the NASCAR.com Superstore, terms apply.
19.99% to 25.99% variable
Up to
Up to 24 days
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.

Compare up to 4 providers

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 Bank® Visa® Cash Back Rewards

Get 1% cash back rewards on eligible purchase, terms apply.

Promoted
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® Unsecured Platinum Visa®

Seeing if you pre-qualify is fast, easy, and secure.

  • Rebuild credit. This card is designed for people with bad credit, and can help you rebuild your credit score.
  • Track your score. Get free access to your credit score online. Credit One Bank reports to all three major credit bureaus.
  • Quick application. You can get prequalified in 60 seconds, and it won’t affect your credit score.
Promoted
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® Credit Card from Credit One Bank®

Get double cash back rewards at the NASCAR.com Superstore, terms apply.

Promoted
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 2% 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 2x 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 fraud alerts that inform you when there are suspicious transactions on your account.

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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Read more on this topic

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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