Credit One Bank Visa Credit Card review | finder.com

Credit One Bank® Visa® with Free Credit Score Tracking review – June 2019

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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 Fee$0 to $99
Standard Purchase APR20.24% to 26.24% variable
Intro Purchase APR

N/A

Intro Balance Transfer APR

N/A

Cash Advance Rate26.24% variable
Cash Advance Fee DescriptionEither $5 or 8%, or $10 or 3% of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction value or $1, whichever is higher
Interest Free PeriodUp to 24 days
Late Payment FeeUp to $39
Late Payment Fee ConditionsTerms apply
Returned Payment FeeUp to $39
Returned Payment Fee ConditionsTerms apply
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 20.24% to 26.24%.

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 20.24% to 26.24%.
  • Cash advance APR.
    Cash advances have a higher APR of 26.24% 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.
  • Penalty fees.
    Returned payments can result in up to a $39 fee, and each late payment can result in up to a $39 fee (terms apply).
  • 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 June 16th, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Seeing if you pre-qualify is fast, easy and secure.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Up to 1% cash back on eligible purchases determined by Credit One and double cash back at NASCAR.com
20.24% to 26.24% variable
$0 to $99
Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR.com Superstore.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    Mstrdst1May 6, 2017

    How many days to receive Credit One approved card?

    • Avatarfinder 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

Go to site