Best Credit One Bank® Credit Cards

Whatever your financial goals are, Credit One Bank® could have the credit card for you. See the best credit cards offers from Credit One below.

In this article

    The Best Credit One Bank® Credit Cards of 2020

    Credit One Bank® is a U.S.-based bank specializing in credit cards. With more than 11 million active accounts, Credit One Bank® provides credit cards that offer value through cashback rewards and credit-building features. Credit One Bank® issues Visa®, Mastercard®, and American Express® products, as well as the Official Credit Card of NASCAR® and NHL’s Vegas Golden Knights. If you’re looking to build your credit, earn rewards, and add a reliable credit card to your wallet, it might be worth getting a Credit One Bank® credit card. Check out the best Credit One Bank® credit card offers below.

    Best for bad credit

    Credit One Bank® Unsecured Visa® for Rebuilding Credit Apply now

    For people with bad credit to fair credit, Credit One Bank® Unsecured Visa® for Rebuilding Credit offers some of the perks associated with premier cards — like 1% cash back on purchases and services. This could offset the annual fee of $0 – $99, making it an inexpensive card to own, provided you pay the balance in full each month.

    Who should get it
    For people with bad credit to fair credit, Credit One Bank® Unsecured Visa® for Rebuilding Credit offers some of the perks associated with premier cards — like 1% cash back on purchases and services. This could offset the annual fee of $0 – $99, making it an inexpensive card to own, provided you pay the balance in full each month.

    How to use it
    With this card, earn 1% cash back rewards on eligible purchases. Plus, make paying your bill easy by choosing your payment due date and stay in-the-know with customizable account alerts via email and text.

    Consider this

    • High variable purchase APR of 17.99% to 23.99% Variable
    • Foreign transaction fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
    • Potential annual fee between $0 – $99, depending on creditworthines

    Why you’ll love it
    The Credit One Bank® Unsecured Visa® for Rebuilding Credit is specially designed for anyone who wants to rebuild credit. You can check to see if you pre-qualify without harming your score and track your progress with free Experian reports. You’ll also be reviewed automatically for increases to your credit limit.

    Pro tip: The Credit One Bank® Unsecured Visa® for Rebuilding Credit offers peace of mind with zero fraud liability on any unauthorized purchases.

    Best for NASCAR fans

    NASCAR® Credit Card from Credit One Bank® Apply now

    Who should get it
    Are you a big fan of NASCAR®? If you enjoy NASCAR® and have good to excellent credit, the NASCAR® Credit Card from Credit One Bank® could be an ideal option for you.

    How to use it
    The NASCAR® Credit Card from Credit One Bank® offers 1% cash back rewards on eligible purchases and 2% cash back rewards at the NASCAR® Shop.

    Consider this

    • High variable purchase APR of 17.99% to 23.99% Variable
    • Foreign transaction fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
    • Potential annual fee between $0 – $99, depending on creditworthiness

    Why you’ll love it

    Hitting the road has never been more rewarding with this card. You’ll get exclusive access to deals, discounts and experiences from NASCAR® participating merchants, including discounted membership with the official NASCAR® members club.

    Pro tip: You’ll receive a minimum credit line of $300 with the NASCAR® Credit Card from Credit One Bank® card if approved, and future credit line increases may occur based on your overall credit performance.

    Best for 5% cash back

    Credit One Bank® Platinum Rewards Visa Apply now

    Who should get it
    The Credit One Bank® Platinum Rewards Visa is ideal for cardholders looking to earn 5% cash back on the first $5,000 of eligible purchases each year and maximize their earning potential.
    How to use it
    With the Credit One Bank® Platinum Rewards Visa, you can earn up to 5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% cash back thereafter.

    Consider this

    • Annual fee of $95
    • High variable purchase APR of 23.99% Variable
    • Need fair to good credit

    Why you’ll love it
    The Credit One Bank® Platinum Rewards Visa is the crown jewel of the Credit One cards, offering the highest cash back rewards structure.

    Pro tip: Use the Credit One Bank® Platinum Rewards Visa to make big purchases that you can pay off quickly, so you can maximize the card’s 5% cash back on eligible purchases and avoid the high interest rate.

    Best for everyday purchases

    Credit One Bank American Express® Card Apply now

    Who should get it
    Credit One Bank American Express® Card is ideal for cardholders who are happy with unlimited 1% cash back on all purchases. With this card, you don’t have to worry about rotating bonus categories.

    How to use it
    The Credit One Bank American Express® Card allows you to earn unlimited 1% cash back rewards on all purchases — no categories to choose or points to redeem — and earned rewards are credited to your account automatically.

    Consider this 

    • Annual fee of $39
    • High variable purchase APR of 23.99% Variable
    • Late payment fee of up to $39

    Why you’ll love it 

    You can earn consistent rewards on purchases you make every day with the Credit One Bank American Express® Card. This card allows you to experience a more rewarding way to shop, dine and travel with access to exclusive American Express offers – from groceries to gas, apparel to travel, dining to entertainment and more.

    Pro tip: Your purchases are covered by the Credit One Bank American Express® Card’s retail protection feature, which will reimburse you if an item is accidentally damaged or stolen.

    Best for double cash back

    Credit One Bank® Platinum Rewards Visa with No Annual Fee Apply now

    Who should get it
    Credit One Bank® Platinum Rewards Visa with No Annual Fee offers similar perks and fee structure as the Credit One Bank American Express® Card, another cash back card for optimizing rewards.

    How to use it
    The Credit One Bank® Platinum Rewards Visa with No Annual Fee offers 2% cash back on eligible common purchases and services, including gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services.

    Consider this

    • $0 annual fee
    • High variable purchase APR of 23.99% Variable
    • Late payment fee of up to $39

    Why you’ll love it 

    As a Credit One Bank® Platinum Rewards Visa with No Annual Fee cardholder, you’ll earn 2% cash back on eligible purchases and have zero fraud liability so that you won’t end up paying for any fraudulent service. Plus, this is one of the few Credit One credit cards that charges no annual fee.

    Pro tip: With the Credit One Bank® Platinum Rewards Visa with No Annual Fee, you’ll get a minimum credit line of $300.

    Best for increasing credit line

    Credit One Bank® Visa® Cash Back Rewards Apply now

    Who should get it
    The Credit One Bank® Visa® Cash Back Rewards is perfect for people with fair to good credit looking to collect cash back rewards while gradually increasing their credit line.

    How to use it
    The Credit One Bank® Visa® Cash Back Rewards offers cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Plus, you’ll have the ability to view your Experian credit score and credit report summary online.

    Consider this

    • Annual fee of $39
    • High variable purchase APR of 23.99% Variable
    • Foreign transaction fee: 3% or $1.00, whichever is greater

    Why you’ll love it 

    The Credit One Bank® Visa® Cash Back Rewards offers a lot of great perks, including a $300 minimum credit limit to start, a fairly low annual fee and cash back rewards. Still better: Credit One Bank® will increase your credit line with this card over time based on your credit performance.

    Pro tip: The annual fee with this card is refundable as long as you cancel your account and have not made any transactions.

    Compare the best Credit One credit cards

    CardAnnual FeeRewards RateRegular Purchase APR
    Best for bad credit: Credit One Bank® Unsecured Visa® for Rebuilding Credit$0 - $99Receive 1% cash back on eligible purchases, terms apply17.99% to 23.99% Variable*
    Best for NASCAR fans: NASCAR® Credit Card from Credit One Bank®$0 - $99
    • 1% cash back rewards on eligible purchases, terms apply
    • 2% cash back on purchases made with the NASCAR Shop, terms apply
    • Exclusive access to deals, discounts and experiences from NASCAR participating merchants
    17.99% to 23.99% Variable*
    Best for 5% cash back: Credit One Bank® Platinum Rewards Visa$955% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% cash back. Terms Apply.23.99% Variable *
    Best for everyday purchases: Credit One Bank American Express® Card$39Unlimited 1% cash back on all purchases, terms apply23.99% Variable*
    Best for double cash back: Credit One Bank® Platinum Rewards Visa with No Annual Fee$02% cash back on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms Apply.23.99% Variable*
    Best for increasing credit limit: Credit One Bank® Visa® Cash Back Rewards$391% cash back on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms Apply.23.99% Variable*

    *Based on creditworthiness

    Does Credit One automatically increase credit limit?

    Credit One considers increases in credit limits based on your credit score and payment history with Credit One Bank. But you can also request an increase. Sign in to your online account at https://www.creditonebank.com and select “Settings” from the site menu. Then click the “Credit Line Increase” button and follow the steps. Even though you can request a credit limit increase, timely payment of your monthly bills and your credit history are evaluated.

    How can I get a credit limit increase from Credit One Bank?

    You can take proactive steps to earn an increase to your credit card limit. Make sure you are following these best practices before requesting an increase:

    • Pay your bills by the due date every month.
    • Keep your average credit utilization ratio low.
    • Actively monitor your account to stay on top of your balance and identify unusual activity.
    • Monitor your credit report. Negative events across your credit portfolio, such as a judgment or bankruptcy, might impact your existing credit accounts.

    How do I use my Credit One Bank Rewards?

    Credit One Bank makes redeeming your rewards simple. You can earn and redeem rewards on their website here
    Find offers connected with your card – browse all offers by signing into your account and selecting “View offers.”

    Use your card and sign for your purchase at participating companies.

    Once you sign for your daily purchases, you will automatically earn cash back rewards.

    Is Credit One good for building credit?

    Getting an unsecured credit line can be expensive when you have bad credit. The Credit One Bank® Unsecured Visa® for Rebuilding Credit offers a way to build credit without too much upfront cost. There’s no one-time fee for application processing and no monthly fee. And your first-year annual fee will be $0 - $99, depending on your creditworthiness. Most importantly, if you maintain a good track record with your payments and keep your spending low, your credit score will increase with responsible use of this card.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Methodology

    SimpleScore

    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best credit monitoring services of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for brands to have different SimpleScores across multiple pages on The Simple Dollar. For instance, if we compare Experian’s ID theft monitoring services using SimpleScore, it scores a 4 out of 5. However, if we apply our SimpleScore methodology for credit monitoring services, Experian scores a 4.4 out of 5. Each unique criteria results in separate SimpleScores for multiple brands based on what we’re comparing.

    Questions about our methodology?

    Email Hayley Armstrong at hayley@thesimpledollar.com.

    Basic plan price

    We award brands who have lower monthly costs for credit monitoring services with higher scores in our methodology.

    Premium plan price

    We award brands who have lower monthly costs for credit monitoring services with higher scores in our methodology.

    Perks

    Who doesn’t like a nice perk? We awarded brands with higher scores if they offered perks to customers, such as free trials, family plans, discounts for annual billing and more than two pricing tiers.

    Customer support

    The SimpleScore system rewards brands that have multiple channels of support so customers can contact representatives in a variety of way.

    Mobile app rating

    We compared brands based on their mobile app ratings as an average of Google Play and iOS App Store ratings.

    Alex Gailey

    Financial Reporter

    Alex Gailey is a financial reporter at The Simple Dollar who specializes in banking, deposits, mortgages and personal finance. Her writing has been featured in Yahoo Finance, MSN, Atlanta Business Journal, Charlotte Business Journal, The Boston Globe, and elsewhere.