Credit One Bank Reviews
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About Credit One Bank
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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.
- Regular credit line increases
- Free credit score summaries
- Options for bad credit
- High annual fee
- High interest rates
Helpful Reviews
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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- 4,881,224 reviews on ConsumerAffairs are verified.
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Reviewed April 29, 2026
I’ve had a really positive experience with the Credit One Bank American Express card so far. The application process was quick and straightforward, and I received a decision fast. Once approved, my card arrived on time and was easy to activate. One of the things I appreciate most is the opportunity this card provides to build or improve credit. The account is reported to the major credit bureaus, which has helped me stay on track with my credit goals. I also like that it offers cash back rewards on everyday purchases, which is a nice bonus for a card in this category. The online account and mobile app are simple to use, making it easy to check my balance, make payments, and monitor transactions. Customer service has been helpful whenever I’ve had questions, and I’ve had no major issues so far. Overall, I’d recommend the Credit One American Express card to anyone looking to build credit while still earning some rewards along the way.
Reviewed March 18, 2026
Well Credit One has given me peace of mind knowing that I have extra money put aside for when I really need it. Especially right now in the time and economy we live in. This extra money helps at time after paying my bills like car payment and rent something I need a lil extra for food, clothes and gas. So I’m very grateful for credit one for giving that security I need! Thank You!
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Reviewed March 10, 2026
Credit One was punctual sending the card. They are on top of any needs or questions you might have. Overall, a pleasant experience.. Also, they really look out for you when making purchases. They will lock your card if something doesn't look right on their end. I think that's great and shows that they are really committed to you. Thanks credit one.
Reviewed March 6, 2026
Am enjoying my new card but on the third of this month I went to fuel my car at a shell gas station, fuel was for 43$ but my card was charged 200$ so when I talked to the shell guys they said I will get the money back in 7 days, and when I don’t get it they told me to tell you to file a dispute.
Reviewed March 5, 2026
I’ve had a good experience with Credit One Bank so far. I originally got the card to help build my credit, and it’s actually been pretty helpful. The approval process was simple and the card came pretty quickly. I like being able to check my account and payments easily, and it helped me start building my credit history. As long as you stay on top of your payments and don’t spend more than you can afford, it works well. For someone trying to build or rebuild credit, it’s a good option. Overall, it’s been a solid card for me and helped me move in the right direction financially.
Reviewed May 18, 2026
Got credit one visa card. Used it for three days, then for unknown reason a block was put on my card. Numerous phone calls to no avail, they could not unlock my card. Worthless card, with ignorant customer service. Not paying the 95 charge to use their card for 3 lousy days.
Reviewed May 18, 2026
I’m not quite sure what to think. I just got this card last week and haven’t used it yet and it shows I owe $75.00. That’s a first for me.
Reviewed May 17, 2026
Credit One Bank is the best choice I ever made. When other credit cards said no, Credit one bank said yes even I didn’t have a good credit…Bbut they help raise your credit which is a good thing….
Reviewed May 17, 2026
I didn’t realize that you would charge the annual fee upfront and start me in the negative, but I’m happy with the card anyway.
Reviewed May 16, 2026
Thanks for resolving the fraud issue. That truly helps me out.
Credit One Bank Company Information
- Company Name:
- Credit One Bank
- Website:
- www.creditonebank.com