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

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

Details

Product NameCredit One Bank® Visa® with Free Credit Score Tracking
Card typeVisa
Annual fee$0 to $99
Purchase APR19.74% to 25.74% variable
Balance transfer APRN/A
Cash advance rate25.74% variable
Cash advance fee$5 or 8% of the cash advance amount, whichever is greater
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

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 19.74% to 25.74%.
  • Cash advance APR.
    Cash advances have a higher APR of 25.74% 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 November 15th, 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
19.74% to 25.74% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
19.74% to 25.74% 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 the NASCAR Shop
19.74% to 25.74% 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 Shop.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
19.74% to 25.74% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
See terms
See issuer's website
See terms
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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.

Expert review

Adrienne Fuller

Review by


Adrienne Fuller is the head of publishing at Finder. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.

Expert review

The Credit One Bank® Visa® with Free Credit Score Tracking is a straightforward credit-building card with a few perks uncommon for cards of this variety. It offers 1% cash back on eligible purchases, a 25.74% purchase and balance transfer APR and no application costs, with a $39 annual fee.

It’s worth pointing out that this is an unsecured credit card for building credit. Such cards are relatively rare, especially those with a rewards program. It’s also rare to find a credit-building card that is so consumer-friendly: you can apply online for this card in less than 60 seconds, without harming your credit score. Plus, monthly credit score tracking is included for free and Credit One Bank offers flexible payment dates to help you make your payment on time.

Like most credit-building cards, the penalties for late payments and other poor use are harsh. But with proper usage, the Credit One Bank® Visa® with Free Credit Score Tracking is quite generous and can springboard nicely into a growing credit line and eventual graduation to a better credit card.

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2 Comments

  1. Default Gravatar
    Mstrdst1
    May 6, 2017

    How many days to receive Credit One approved card?

    • AvatarStaff
      Harold
      July 4, 2017

      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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