Credit One Bank Visa Credit Card review | finder.com

Credit One Bank® Visa® with Free Credit Score Tracking review – December 2018

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Credit One Bank® Visa® with Free Credit Score Tracking Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Credit One Bank® Visa® with Free Credit Score Tracking is a straightforward card with few bells and whistles.

Product NameCredit One Bank® Visa® with Free Credit Score Tracking
Card TypeVisa
Annual FeeUp to
APR (Annual Percentage Rate) for Purchases19.99% to 25.99% variable
Cash Advance Rate25.99% variable
Foreign Transaction Fee3% of the transaction value or $1, whichever is higher
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 24 days
Late Payment Fee$38
Returned Payment Fee$38
Additional Cardholder Fee$19
Minimum Age18 years of age
Apply now

Credit One Bank® Visa® with Free Credit Score Tracking review

Apply online for this card in less than 60 seconds, without harming your credit score. Monthly credit score tracking is included for free, and Credit One Bank offers flexible payment dates to help you make your payment on time. The minimum credit line is $300, and the purchase APR ranges from 19.99% to 25.99%.

Credit One Bank starts with a pre-approval process. While their website does not have a page that explains each individual available card, the pre-approval process can match you up with a card that you qualify for. And the pre-approval process will not affect your credit score.

The perks

  • Track your score.
    Get free access to your credit score online. Credit One Bank reports to all three major credit bureaus.
  • Quick application process.
    You can get pre-qualified online in 60 seconds, and it won’t affect your credit score.
  • No application costs.
    You don’t have to pay out-of-pocket costs to open an account.
  • Cash back.
    The card lets you earn 1% cash back on eligible gas and grocery purchases.

The nuts and bolts

  • Credit line.
    Credit One Bank monitors each account for credit line opportunities, and will notify you when you qualify for additional credit.
  • Purchase APR.
    The APR is based on the Prime Rate, and varies with the market. Depending on your credit score, you can expect a purchase APR of 19.99% to 25.99%.
  • Cash advance APR.
    Cash advances have a higher APR of 25.99% variable.
  • Chip technology.
    For added protection, all cards are installed with microchip technology.
  • Apple Pay.
    Credit One Bank makes it possible to set your credit card up with Apple Pay so you can pay with your iPhone or iPad.
  • Account alerts.
    Get text or email alerts so you know when your payment is due.
  • Fraud protection.
    The Zero Fraud Liability feature protects you against any unauthorized charges or purchases.
  • Credit limit.
    Your minimum credit limit will be $300 if approved.
  • Transaction fees.
    Transaction fees depend on the account. For cash advances, you can expect a $5 fee, or 8% of the cash advance amount, whichever is greater. Or you may have to pay $10 or 3% of each cash advance amount, whichever is greater.
  • Penalty fees.
    Returned payments can result in up to a 38 fee, and each late payment can result in up to a $38 fee.
  • Grace period.
    Not all accounts will qualify for a grace period. For accounts with no grace period, interest starts accruing right after every purchase is made.

Compare other Credit One Bank credit cards

Updated December 16th, 2018
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0 to $99
19.99% to 25.99% variable
Seeing if you pre-qualify is fast, easy, and secure.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0 to $99
19.99% to 25.99% variable
Get double cash back rewards at the NASCAR.com Superstore, terms apply.
Up to
19.99% to 25.99% 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.

Compare up to 4 providers

Apply now

How to apply for the Credit One Bank® Visa® with Free Credit Score Tracking

Eligibility criteria:

  • U.S. citizen
  • At least 18 years old

Required documents & information:

  • Full name
  • Residential address
  • Birthdate
  • Phone number
  • Social Security number
  • Income information
  • Email address

Bottom line

This is a bare bones card with little in the way of bells and whistles, which may not make it worth the annual fee. Before choosing the Credit One Bank® Visa® with Free Credit Score Tracking, be sure to compare it with other credit card options.

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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2 Responses

  1. Default Gravatar
    Mstrdst1May 6, 2017

    How many days to receive Credit One approved card?

    • finder Customer Care
      HaroldJuly 4, 2017Staff

      Hi Mstrdst1,

      Thank you for your inquiry.

      Once approved, you will typically receive your credit card within 1-2 weeks.

      I hope this information has helped.

      Cheers,
      Harold

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