Credit One Bank Reviews
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About Credit One Bank
This profile has not been claimed by the company. See reviews below to learn more or submit your own review.
Credit One Bank was founded in 1984 and provides access to credit for those who are often overlooked by traditional banks. Currently the company serves more than 12 million customers across the United States. Credit One Bank offers a variety of cards, including cash back credit cards, travel rewards cards, and more. Customers can manage their accounts online or through Credit One's mobile app and can access the customer service team 24/7 by phone or email.
Visit www.creditonebank.com- Regular credit line increases
- Free credit score summaries
- Options for bad credit
- High annual fee
- High interest rates
Helpful Reviews
Credit One gave me a credit card when no one else would. I admit, their rates are high, but if your credit is bad, what do you expect. If you pay on time, they WILL NOT bother ...
Credit One charges you a yearly fee. This I did not see prior to getting card - my fault not theirs as it is in the fine print - but once you have the card you get the charge r...
What is Credit One Bank?
Credit One Bank helps people with less-than-perfect credit get secured and unsecured credit cards, which can help improve credit scores over time with responsible use. Through the Credit One Bank mobile app, cardholders can track their credit scores for free and access their accounts from anywhere.
About Credit One Bank credit cards
Credit One Bank offers seven credit cards with varying cash back benefits and fees for those with limited or bad credit. People with credit scores from 300 to 670 can qualify for a secured or unsecured Credit One credit card. You can find out if you pre-qualify on the Credit One Bank website.
The Credit One Bank Platinum Visa an unsecured option that doesn’t require a deposit and is available to those with fair credit. Since most credit-building cards require a security deposit, Credit One Bank Platinum Visa might be a good option for people who don’t have extra money and want a larger credit limit. It’s also a fit for people who have trouble getting approved for other cards. The Platinum Visa allows you to build credit and earn cash back rewards at the same time.
Credit One Bank benefits
Credit One Bank offers a variety of benefits to its cardholders. Cardholders have the option of choosing their payment due date. After a few months of responsible credit usage, Credit One reviews your accounts to see if you’re eligible for a credit limit increase. Other benefits include:
- Cash back rewards: Credit One cardholders can qualify for different cash back rewards programs. Credit One Bank Platinum Visas for rebuilding credit earn up to 2% cash back on eligible purchases, including gas, groceries, mobile phone service, internet service and cable or satellite services.
- Zero fraud liability: You are not responsible for unauthorized charges if your card is stolen or lost.
- Free credit score: View your Experian credit score and credit report summary for free each month online.
- Credit limit increases: Credit One automatically reviews your accounts for credit limit increase opportunities.
Credit One Bank fees
- Credit One annual fees
- Credit One Bank’s annual fees range from $0 to $99. Credit One charges the first annual fee when you open your account, which decreases your initial credit limit. After the first year, Credit One bills the annual fee once a year or divides it into 12 equal portions and bills it monthly. If your credit score improves, you may qualify for a lower annual cost.
- Credit One ATM withdrawal fees
- Since Credit One Bank only issues credit cards and doesn’t offer checking or savings accounts, you’re taking out a cash advance when you withdraw cash at an ATM with your Credit One credit card. Depending on the card you have, cash advance fees are either $5 or 8% of the amount of each cash advance, whichever is greater, or $10 or 3% to 5% of each cash advance, whichever is greater. Most banks also charge non-account holders a fee to use their ATMs.
- Credit One foreign transaction fees
- Foreign transaction fees are either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
- Credit One penalty fees
- The fee per late payment or returned payment is up to $39.
Credit One Bank credit card FAQ
What is the minimum credit limit for Credit One?
If approved, the minimum credit limit is $300. Your credit limit amount depends on your financial history and creditworthiness at the time of your card application. Credit One does not publicly disclose a maximum credit limit for any of its cards.
How do I request a credit limit increase with Credit One?
Credit One automatically reviews accounts for credit limit increases. If you aren’t notified of an available increase offer, you can request a credit limit increase by calling customer service.
How can I check on my Credit One Bank application status?
You can check on your application status on the Credit One Bank website. Select “Application Status” on the menu of the home page.
How long does it take Credit One to send my card?
It takes Credit One up to 10 business days to deliver a new card.
Are Capital One and Credit One the same bank?
No, Capital One and Credit One are not the same. Capital One is one of the largest banks in the U.S. and offers bank accounts, credit cards, loans, and investment products, while Credit One only issues credit cards. It's easy to confuse the two since they have similar names and logos.
Still have questions?
Is Credit One Bank a legitimate company?
Yes. Credit One Bank is a major credit card company that operates online and does not have any physical branch locations. Credit One Bank was founded in 1984 and issues secured and unsecured credit cards to people with limited or bad credit.
Credit One Bank Reviews
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- Financial relationships do not influence whether we publish a consumer review.
Reviewed Sept. 26, 2026
Credit One is an excellent bank, I have credit with them and my experiences have always been positive, one thing I have learned about this bank is when I pay my balance down my available credit is updated quickly, however if you make 2 separate payments the second payment takes 7 days to update so always pay what you plan to pay each month is on payment for quicker credit updates. Credit One also reports honestly to the credit bureaus. I recommend this bank to anyone, especially if you are trying to rebuild your credit. Thank you, Credit One, for being there for me.
Reviewed Sept. 23, 2026
Credit One was one of the first credit companies to take a chance with me. I am glad, and I’m sure they are glad of our relationship. There have been those tough times when I needed to use it, but we have been shuffling through it together. They have even given me an additional line at almost triple my original limit. Truly makes me proud to work with them. Thank you, Credit One!
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Reviewed Aug. 5, 2026
Credit One Bank gave me a second chance at re-establishing my credit. I went through some minor medical issues, but I am fully recovered. I paid off all of my medical bills, CASH, and am starting all over. I am sure other folks can attest to having to payoff medical bills, when your insurance doesn't cover everything. Nevertheless, you have to have someone understand your plight, and give you a second chance. That is what Credit One Bank did for me, and I am grateful. Now it is on to a 760 credit score within 6 months. Everything Is Possible, For Him Who Believes - Mark 9:24.
Reviewed July 28, 2026
I gave five stars as my experience has been the best ever. This card was easy to apply for. Although I didn't get the limit I would have liked, customer service explained to me how I can repair a few things on my credit report and they will work with me to gradually increase the amount. They were kind, professional and understanding that things happen. They treated me like a person, not an account number.
Reviewed July 28, 2026
I have grown to like working with Credit One. I am a senior on a fixed income. I also have a disability that limits the work I can do to supplement my retirement, which is necessary. I have two credit cards and my car note is through this company. They took a chance with me while I've been building credit. As my income has fluctuated, they've continued to work with me and I as a customer have tried to hold up my part by paying on time. I'm happy to say they've assisted by keep me notified of any issues and I'm doing a lot better. Unfortunately the car note I have is too high and I need to refinance the car for something cheaper. Maybe, they'll let me come back here and let you know how that went. Lol
Reviewed Oct. 14, 2026
Not happy that you pulled my credit then made me verify my income which was exactly what I said it was. But then you did a second credit pull after getting my w2 and check stubs. Should never have needed a second hard pull.
Reviewed Oct. 14, 2026
I would definitely recommend Credit one! Very fast and easy process.
Reviewed Oct. 14, 2026
The card has been great and I only ran into a problem because I am making it out in the first week I got it and some stores declines multiple small transactions because I help homeless people with small things when they stand outside stores I shop at. I have the money to maintain monthly payments and will pay off the card soon.
Reviewed Oct. 14, 2026
I’m blessed and thankful to be a part of the family. I like the experience and I like to this is helping with my credit line. I can’t wait till I’m able to get more money from the family so I can continue to be in a family and make a difference in a credit line community and make a difference in my life.
Reviewed Oct. 14, 2026
Grateful to Credit One for this financial opportunity. I’m humbled by this opportunity. 🙏
Reviewed Oct. 13, 2026
I love Credit one AMEX but I hope my credit line can be increased faster so I can use more than I supposed to.
Reviewed Oct. 13, 2026
My Credit One closed one of the two cards they gave me. I called and they told me that my payments were reversed(?) yet they continue to accept my payments. The high interest rates make it impossible to pay down my account.
Reviewed Oct. 12, 2026
I’m very happy on how customer service called me as soon as they thought it was fraud on my card. Excellent job Credit One.
Reviewed Oct. 11, 2026
It's a good account to start with, and I would recommend it
Reviewed Oct. 10, 2026
So I received my new card. I made a couple small purchases to start building credit and then I made a payment. This is all within I would say 4 days and then I'm looking at my statement and it says minus $75 Las Vegas Nevada internet. I don't live in Las Vegas. I haven't been to Las Vegas and so it says call immediately and I call and I get an automated thing. Not solving my problem. I finally transferred me to customer service. I am on hold listening to the music and it hangs up on me. So so far this card is terrible. Customer service is terrible and I don't know when I'll find out about this internet charge or what's going on with my card.
The original reason I called is my granddaughter will be driving soon and I wanted to see if I can get a card with her name with her own card with her own name but I don't even know if who's using my card because there's no customer service. It's automated so it's possible that I will pay this off, tear it up and go with the reputable company.
Reviewed Oct. 9, 2026
Everything went well from the start, easy to apply and card arrived a few days later, very pleased with my card, thanks.
Reviewed Oct. 8, 2026
I absolutely the Credit One! It’s helped me so much with my financial situations and my credit score. I highly recommend this credit card!
Reviewed Oct. 6, 2026
Well. Haven't received my card. Haven't been able to add temporary card to my digital wallet so Haven't been able to use at all.
Reviewed Oct. 6, 2026
I made one purchase and got a $75 fee added to my balance. I tried to set up auto pay. The app kept crashing, causing me to login multiple times. Then I was told I could speak to a representative for an additional $5.
Reviewed Oct. 6, 2026
In my opinion the worst fraudulent company ever! High interest a top of fees a top of fees and type of fees! They will steal from you until the day you die! I wouldn't recommend this company at all. Stay away!
Reviewed Oct. 5, 2026
My Credit one credit card so far has been great. Had no problems using it when I needed it the most.
Reviewed Oct. 3, 2026
Getting offered a second credit card with Credit One was unexpected but right on time. I like that they updated you on when your card was mailed out and when it should be in the mail because I do have mail issues sometimes. Thanks credit one!
Reviewed Oct. 3, 2026
Very was to navigate. Helps with your credit score and easy to apply. Thank you.
Reviewed Oct. 3, 2026
Easy approval and fast delivery of card. Lots of features with Credit One Bank.
Reviewed Oct. 3, 2026
I have been enjoying this credit one account but I have a problem. I am having a hard time getting into my account to check my payment and bank funds.
Reviewed Oct. 2, 2026
I'm so happy to be able to have one credit card for emergencies. Haven't had to use, but just the whole process was great. So easy to fill out the form and be approved.
Reviewed Oct. 2, 2026
Love it and I will refer all my friends and family.
Reviewed Oct. 2, 2026
Very easy application process. Very understandable process from start to finish.
Reviewed Oct. 2, 2026
So far so good. I was under the impression that my approval was gonna be like 2000 3000. I was a little disappointed when I only got an approved of $400 but I guess it’s a starting point but so far I have had no issues.
Reviewed Oct. 2, 2026
Worst bank in the US. I already had a Credit One Credit Card back in 2023, never paid the $450 balance 😂🤣🤮🤣 Yet they keep giving me their credit cards.🤣😂🤣😂
Reviewed Oct. 1, 2026
I received my card! I can’t wait to start using it. I am trying to rebuild my credit score.
Reviewed Sept. 30, 2026
I had a previous card with Credit One an American express. When I tried to pay my payment a week early it denied the payment method. Funny I have always paid my bill with my chime account. They refused and I couldn't get customer service. Then they hit me with a $29 fee which I paid. They are the old BOA of credit cards no doubt. Made all my payments on time for a year and my credit never got better. Probably the fact they charge me a 100 a year to have it to build credit. Slime balls!!! Would cancel buts it really hard. Still trying.
Reviewed Sept. 29, 2026
I get the new credit card with high interest and want to pay the annual fee it comes with and call customer service only to be told I can't pay until the beginning of next month to use card...Not impressed!
Reviewed Sept. 29, 2026
Excellent bank. They saved me when I was struggling to get food and personal hygiene stuff.
Reviewed Sept. 29, 2026
I like my Credit one bank credit card. It's nice to have in your wallet for purchases and cash advances when needed.
Reviewed Sept. 28, 2026
They’re so good and kind. I truly appreciate it. Thank you!
Reviewed Sept. 28, 2026
Credit one bank is amazing. They accepted me in a few days.
Reviewed Sept. 27, 2026
Love the benefits I have with Credit One and the ability to earn cash back anywhere!
Reviewed Sept. 26, 2026
Would recommend to family and friends. No issues or complaints
Reviewed Sept. 26, 2026
Easy application process. Got my card quickly. So happy it's with American Express. Enjoying it to build up my credit score. Thank you, Credit One.
Credit One Bank Company Information
- Company Name:
- Credit One Bank
- Website:
- www.creditonebank.com