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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 Access, be sure to compare it with other credit card options.
Review by
Adrienne Fuller is the head of publishing at Finder US. 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.
The Credit One Bank® Visa® with Free Credit Score Access 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 23.99% 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 Access is quite generous and can springboard nicely into a growing credit line and eventual graduation to a better credit card.