Updated on Apr 14, 2020

Credit One Bank® Credit Cards

Credit One offers reliable credit cards that allow you to build credit and earn cash back.
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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.

Summary

The Best Credit One Bank® Credit Cards of 2020

  • Credit One Bank® Unsecured Visa® for Rebuilding Credit APPLY NOW
    Best for bad credit Credit One Bank® Unsecured Visa® for Rebuilding Credit
    Apply Now on Credit One Bank's secure website.
  • NASCAR® Credit Card from Credit One Bank® APPLY NOW
    Best for NASCAR fans NASCAR® Credit Card from Credit One Bank®
    Apply Now on Credit One Bank's secure website.
  • Credit One Bank® Platinum Rewards Visa APPLY NOW
    Best for 5% cash back Credit One Bank® Platinum Rewards Visa
    Apply Now on Credit One Bank's secure website.
  • Credit One Bank American Express® Card APPLY NOW
    Best for everyday purchases Credit One Bank American Express® Card
    Apply Now on Credit One Bank's secure website.
  • Credit One Bank® Platinum Rewards Visa with No Annual Fee APPLY NOW
    Best for double cash back Credit One Bank® Platinum Rewards Visa with No Annual Fee
    Apply Now on Credit One Bank's secure website.
  • Credit One Bank® Visa® Cash Back Rewards APPLY NOW
    Best for increasing credit line Credit One Bank® Visa® Cash Back Rewards
    Apply Now on Credit One Bank's secure website.
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 cash back 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.
Apply Now on Credit One Bank's secure website.

Best for bad credit

Credit One Bank® Unsecured Visa® for Rebuilding Credit

Rewards Summary Receive 1% cash back on eligible purchases, terms apply
Redeem for... Cash back

Current Offer N/A
Annual Fee $0-$99
Highlights Provided by Credit One Show Highlights
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
  • Issuer: Credit One
  • Annual Fee: $0-$99
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 17.99% to 23.99% Variable

Our two cents

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 creditworthiness

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.

Start your application now Back to top
Pro tip: The Credit One Bank® Unsecured Visa® for Rebuilding Credit offers peace of mind with zero fraud liability on any unauthorized purchases.
Apply Now on Credit One Bank's secure website.

Best for NASCAR fans

NASCAR® Credit Card from Credit One Bank®

Rewards Summary Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
Redeem for... Cash back

Current Offer N/A
Annual Fee $0 - $99
Highlights Provided by Credit One Bank Show Highlights
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • Issuer: Credit One Bank
  • Annual Fee: $0 - $99
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 17.99% to 23.99% Variable

Our two cents

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.

Start your application now Back to top
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.
Apply Now on Credit One Bank's secure website.

Best for 5% cash back

Credit One Bank® Platinum Rewards Visa

Rewards Summary 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
Redeem for... Cash back

Current Offer N/A
Annual Fee $95
Highlights Provided by Credit One Show Highlights
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges
  • Get free access to your Experian credit score online, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • Issuer: Credit One
  • Annual Fee: $95
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: 3% or $1.00, whichever is greater
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 23.99% Variable
  • Penalty APR: N/A

Our two cents

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.

Start your application now Back to top
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.
Apply Now on Credit One Bank's secure website.

Best for everyday purchases

Credit One Bank American Express® Card

Rewards Summary Earn unlimited 1% cash back rewards on all purchases, terms apply.
Redeem for... Cash back

Current Offer N/A
Annual Fee $39
Highlights Provided by Credit One Show Highlights
  • Earn unlimited 1% cash back rewards on all purchases, terms apply.
  • $0 Fraud Liability ensures you won't be responsible for unauthorized charges
  • Retail Protection covers you if an eligible item is accidentally damaged or stolen, terms apply
  • Get deals on shopping, dining, travel, and entertainment through Amex Offers
  • Enjoy exclusive access to pre-sale tickets for some of the hottest nationwide concerts and events
  • Know you're covered when the unexpected happens while traveling with Travel Accident Insurance, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • Issuer: Credit One
  • Annual Fee: $39
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: 3% or $1.00, whichever is greater
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 23.99% Variable
  • Penalty APR: N/A

Our two cents

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.

Start your application now Back to top
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.
Apply Now on Credit One Bank's secure website.

Best for double cash back

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Rewards Summary Get 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. Terms apply
Redeem for... Cash back

Current Offer N/A
Annual Fee $0
Highlights Provided by Credit One Show Highlights
  • No annual fee for qualified applicants. Terms apply.
  • Get 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. Terms apply.
  • Choose your monthly payment due date for added convenience. Terms apply.
  • Monitor your credit with free online access to your Experian credit score. Terms apply.
  • Enjoy peace of mind with $0 Fraud Liability.
  • Stay in-the-know with customizable account alerts via email and text.
  • Manage your account on-the-go with the Credit One Bank mobile app.
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • Issuer: Credit One
  • Annual Fee: $0
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: 3% or $1.00, whichever is greater
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 23.99% Variable
  • Penalty APR: N/A

Our two cents

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.

Start your application now Back to top
Pro tip: With the Credit One Bank® Platinum Rewards Visa with No Annual Fee, you’ll get a minimum credit line of $300.
Apply Now on Credit One Bank's secure website.

Best for increasing credit line

Credit One Bank® Visa® Cash Back Rewards

Rewards Summary Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Redeem for... Cash back

Current Offer N/A
Annual Fee $39
Highlights Provided by Credit One Show Highlights
  • Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
  • Enjoy peace of mind with $0 Fraud Liability.
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply.
  • Access your account on-the-go with the Credit One Bank mobile app.
  • Never miss an account update with customizable text and email alerts.
  • Issuer: Credit One
  • Annual Fee: $39
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 23.99% Variable
  • Foreign Transaction Fee: 3% or $1.00, whichever is greater
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 23.99% Variable
  • Penalty APR: N/A

Our two cents

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.

Start your application now Back to top
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

Card Annual Fee Rewards Rate Regular Purchase APR
Best for bad credit: Credit One Bank® Unsecured Visa® for Rebuilding Credit $0-$99 Receive 1% cash back on eligible purchases, terms apply 17.99% 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 $95 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. Terms Apply. 23.99% Variable*
Best for everyday purchases: Credit One Bank American Express® Card $39 Unlimited 1% cash back on all purchases, terms apply 23.99% Variable*
Best for double cash back: Credit One Bank® Platinum Rewards Visa with No Annual Fee $0 2% 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 $39 1% 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 a list of partners, 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.