Credit One Bank Reviews

Thank you, Credit One for trusting me with your cards. Having a credit is definitely for a mature-minded individual. Having your card makes me learn to stay in boundaries. Your forced to either be responsible or irresponsible. I choose to be responsible. Thanks for the tools you provide for this endeavor.

The response and turnaround time showed high efficiency.

I like Credit One help me for my daily expenses. And it so easy to apply.

Reviewing my options, with so many cards out there, Credit One had the best rating and lowest charges. This is the price to better credit.

Great service and I'm proud to be a part of this company.

Thank you for helping me and receiving my card fast.

My card was expiring at the end of May and I was expecting my new card to show up any time from the end of April. The card expired and my new card never showed up. I called customer service and it was sent to my old address. I changed it over two years ago. Tried to figure out why my address wasn't updated when I moved and updated it with them. I had to use my new zip code to use my card online. They were sending me a new card 1-2 business days. 8 days later no card. I called customer service again and he said cards always take 7-10 business days.

I am not satisfied with this card at all. I have nothing but declined transactions since I have opened this account. I am so overwhelmed and frustrated with this company. I have went and spoke with corporate office and still this issue has yet to be resolved. The agents tell me to try other merchants and still that gets declined then they tell me well it’s a security risk due to all the declined transactions. I am at a no win situation with this company and I pay my bills in full on time and still as their client I am the one suffering and being embarrassed in public because they give me false information and bullshit. If I close this account my credit score will be majorly affected. Don’t get any service with them.

My credit card doesn’t even work! I validated it! What a joke! Waste of my time!

Customer service pretty rude. Not willing to help me with what I needed.

The first card they sent went to a very old address and I never received the second card and I asked that they send it FedEx and finally received it.

The whole process was easy and my card arrived soon. Purchases were easy and with no problem. I'm rebuilding my credit so it's perfect for starters.

I love CreditOne. They gave me a second chance to get my credit together. I was approved in minutes

I am very very pleased and proud to have this opportunity to have access to an outstanding amazing company. I heard so much good things that would definitely turn an ear and have other say “hold you you bank with them!!! You have a credit card with them too!!!" They are a huge wonderful big time company..!! You're lucky .. so I am very happy thank you so much.

I needed help catching up on a couple bills and some groceries this month. Thank you for my new card.

Great card. Good benefits and low annual fee. Accepted everywhere.

Don't like the annual fee but other than that, no issues. Card came on time and the set up was easy.

I am thankful for Credit One for them giving me a second chance at rebuilding my credit! My customer service experience has been a good one so far! And I recommend credit One for rebuilding your credit especially after a bankruptcy!

I was told in the letter the the credit limit will be $2500 but it's only $600. Misleading advertisement.

When I got my card, my credit score increased! I really do like my card!

So far it's been a seamless experience. Thank you.

All good but was applied for 2500 credit, respectively you approved 300.

This is a wonderful choice for a credit card and the service was easy. The app is understandable and I am so grateful they are there whenever I had questions

Didn't take a few minutes to get approved and the site was very professional and easy to use.

This opportunity came at a wonderful time, my daughter is having her first child at 36 years old and I needed to buy the baby a lot of items and I had no money to get them. So I'm very grateful for this credit and I'll pay my bill on time. Thanks.

Best of the best and this one is great pleasure for.

I was enjoying this card, paying on time and everything. Until life happened and I missed a payment. Now I am getting frequent, nonstop scam calls from them. I know it's them because I answered 4 of the calls and explained my situation. They keep harassing me!!! I DO NOT have this issue with my other cards. I missed payments on all of them for the month, all they did was text and email me once!

I am very thankful that I was able to get a credit card, especially with bad credit.

It's so hard for someone to give you credit to try and rebuild it again thank you for the opportunity

Amazing card to build credit, came in the mail pretty quickly.

Was very, very awesome, never did think I could get a card but then Credit One helped me. Thank you so much credit One

Very helpful and very low monthly payment to pay back what is used.

I think this bank here is very thoughtful and respectful. Person friendly. They’re really helpful when you need help. I think they’re a great bank.

It was a really big help for me and my family. It got everything paid for like our bills.

Totally awesome! Very easy qualifying. And 1st time use was on a major expense. I am grateful for Credit One.

Credit One is good to have in my corner for a backup to financial issues that pop up in this volatile economy. Well known and respected.

No matter where I checked or who is call they steadily refused me for a credit card until Credit One Bank and no it's not much but it's just enough to help get me by until the next payday. Thank you so much Credit One Bank. I highly recommend.

Getting the card in a timely manner and very easy to activate and can use it immediately and anywhere...

It's a good company to start your credit out with when you're starting out.

My purse was stolen recently and I reported some activity that wasn’t mines, but Credit One still charged it to my account even though I can’t be in 2 Cities at 1 time. Just HORRIBLE!

I was not told about the 75.00 a year charge or I would not have gotten the card, for a $300 limit. Then when I got the card they said I would be charged 8 bucks a month for the card. Then a 75.00 charge was put on the card. I got the card because it was under 30%, but the fee which continues each year more than makes up for the lower (laugh out loud) percentage rate. I may still cancel it, I haven t used it.

These people are thieves, easy to understand, because nobody likes them or uses them, they found a different way to get their money, charging "LATE FEES" of $29 even when you make the payment on time on the due date. I made the payment on time, I expedited the payment to make it go through on the same day, and of course, they charged me for that too, $4.95, not being happy with the fact that they still charged me $29 as a late fee. When I called their rep, they said that I paid one hour late. What scammers!!!! Don't use these people, totally dishonest!!! I am gonna get rid of them!

Great service. Excellent staff, quick response to questions and answered with professionalism.

Been going good so far, pleased 👍. Everything is like they say, no hassle and customer service is good

Everything you need to know about credit cards and credit building is here. 100% satisfaction and fast. The best by far that I have tried. I will convince others to try or use this.

Amazing experience. I will recommend to everyone for sure!

I have nothing but positive things to say about Credit One Bank. After my credit got destroyed from my divorce they gave me 2nd chance and I thank them. You won't regret credit one bank. Pay your bill on time and you will be awarded for it. Thank you credit one bank.

I know I was only given a 300 dollar credit limit, but that's fine, I wanted this card to build my credit score up because they told me I had nothing.

Very good. I recommend anyone to use or try out. Since I have been with them I have no complaints.

I have not used my card yet but all of the activity leading up to be getting it went very smoothly.

Very good service. I was able to use my card the same day I was approved.

Credit One Bank protects criminals!!! I have two ACH transactions from the bank to my credit union to withdraw money from my account to pay someone else’s account. I’ve attempted to find who submitted the fund transfers but Credit One Bank refuses to identify the perpetrators. That makes them an accessory.

I was very happy Credit One accepted me and it's a great card to improve your credit.

You have sent me a credit card that nowhere accepts!!! Useless.

Nice and easy to use. Have never had any issues. Have had a Credit One card for years now.

I love these cards because of the credit protection.

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.

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.

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….

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.

Thanks for resolving the fraud issue. That truly helps me out.

IMHO, WORST bank or credit union on Planet Earth because no way to reach any human via phone, email, chat.

I like Credit One Bank. They just gave you such a low amount to get started and I’m confused about how much my monthly note will be but other than that they are good.

Pay my bill in full every month. 7 days ago I paid it. Used my bank account and paid the express fee to have access to my credit. I was told 7 to 10 business days after I uploaded a bank statement. Yesterday, they said they needed a payment verification so yet again I uploaded this other form. Was told another 7-10 business days before MY MONEY would be released. So God only knows when I'll get my money now. The payment cleared my bank on Monday.

Credit One has been very good to me. Offering generous credit line increases through the years. Very satisfied with Credit One.

I did a credit card consolidation. One card was finished. The 2nd (and last card) They internal changed my email (picture below) without my knowledge. They took a large sum of money out of my bank without approval. My bank reported it to FDIC. They trying to ruin my credit score. I have an appointment with an attorney.

I made a payment a day after it was due and was charged 29.00 on a 200 limit and when I made the payment it never showed a late fee. When I called I was told it was on the statement and it definitely wasn't. I would have seen it when I made the payment and they didn't offer any solution or explained why it didn't show on the day I made the payment. This is an awful company. It's always an issue with them since I got the card!

The application process was smooth and fair, and once approved, the card came quickly and activation and online account setup was easy. So far I am highly satisfied with the card and the service team.

They call and call. Rude customer staff hung up on me! Rude, harassment, pushy, call back to back after I’ve made arrangements with them.

While I appreciate the opportunity to have the card, the limit is super low. In addition to that, they took $50 for that low credit limit before I even got the card for their annual fees. Maybe consider other options before going with this card.

It's just good. Easy to set up everything. The only problem was the credit line is so small.

I love the card with nice colors and nice limit credit. Thank you.

If I known they were going to take the annual fee from my credit balance right away, I would have never gotten it! Make sure you read the fine print!

Very nice people to deal with! Never have any type of problem with Credit One!

Can't not login into the app or website. Nobody has called me back about what is wrong why I can't login. Very unprofessional. I give a 0.

This card is everything I expected. The perfect card for anyone 👍.

It's my first credit card and everything so far has been easy to set up and no hassle.

I want to report my recent experience with this credit card company. I have had an autopay set up for $100 for several months that I recently elected to cancel. The current's month autopay was paid on time so there was no outstanding monies due. To my complete horror I found that CreditOne Bank opted to take a payment from bank of the balance remaining of nearly $1900. My checking account had registered as overdrawn, and my mortgage check had been returned. I had a negative balance in my account. I contacted the company to inquire about their error. The agent assured me that the monies would be refunded in 24-72 hours which still posed a hardship but doable. Now the 72 hours have passed, and no refund has been received.

I love my Credit One Bank card. I appreciate that you gave me a chance to rebuild my credit and increase my credit line...

It's great that the offered me a useful credit like at 5k but it sucks it comes with a 30% interest rate. Meaning if I ever had to use it there is a good chance I'd never be able to pay it back just because of the interest. Do better and stop trying to rob people.

So far, so good. :) No problems whatsoever! I will be recommending this one! Thanks.

I really love my new credit card. It will help me build my credit and help me when I really need it. I am very pleased with my new credit card

I haven’t used it yet but I love Credit one and the benefits associated with my card.

It was a good experience to apply for a credit card. It didn't take long to get approved.

I had a credit card with them, they closed it down bc I paid it off to go on vacation to be able use it. And now they won't reinstate the car. This company is a joke. Will not recommend to anyone.

Like to speak to someone who understands what I am saying!! Without being hung up on! My mom has had fraud committed against her and they won’t help!!

I think it's good if you're being pretty pre-approved for a long some credit limit but don't expect offers if you're not willing to do the other stuff they have you do each month to get finished with the account.

Worst company to get a credit card from. The website doesn't work half the time so you can't pay your credit card bill online. If you talk to a representative on the phone and ask them to call you after you get out of work for any reason, they'll put in a do not contact in to the system so you won't get calls or letters if a payment is late or you leave a message. I called them about losing my credit card and to close it so I wouldn't have anymore interest accruing as well as getting a new card so I could have a valid account to post my payments to. I never received a new card and I waited months for it. The representatives wouldn't take any payments until I could give we my credit card number but I couldn't because I didn't know it nor would they take my social security number for payments.

The card that was sent to me was invalid. There were too many numbers in it. I figured you were a scam and threw the card up. That’s a pretty big OOPS. I don’t want an incompetent bank.

Awful customer service. Long wait times. Product knowledge is awful.

Very happy with Credit One. The app is very easy to set up and use.

So far so good. I can tap my card and the payment process is quick when checking out at any store. Also the cashback offers are amazing!

It portrays great experience and helpful when needed.

Easy to work. They give you a chance. Semi bad credit. They look for the good. 👍 I couldn't be happier with the service, the app, the AI, the real person you call all keep me ahead of the Game.

Good service, very safe and reliable. I enjoy this app

I love the fact I got approved for this card. I was surprised. It's easy to use and the mobile app is easy to use. Great place to start rebuilding your credit. I've used all the features and nothing is too hard to use

Paid my full balance and was charged $4.95 for an “express payment,” but it was not processed immediately. The money was taken from my account the same day, yet the payment was not credited until about 24–25 hours later. Customer service was frustrating and inconsistent. I was told that because I paid using my checking account (not a debit card), the payment would not be credited until May 5. This makes no sense, as I have previously made standard payments from my checking account and they were credited the next day without paying any extra fee. Every time I pay the $4.95 “express” fee, I seem to have this same problem. I was also unable to speak with a U.S.-based supervisor, and the representatives could not clearly explain the situation. Charging for an express service that does not work as promised is unacceptable. I am considering filing a complaint with the Consumer Financial Protection Bureau.

Yes, I would just like to say that when I really needed someone to help just a little bit, y'all were there and giving me a chance to better myself and I want to thank you very much for your support. 🙏❤️

It is a great service, a lot of places denied me but here they approved me in no time...

Glad I found out about them, and would definitely recommend to anyone

Gave me a 2nd chance! It came at a great time. Thank you Credit One!

I'm very happy with my new Credit One Platinum Visa..The mobile app is convenient for me to keep a record on my account and transactions. I would highly recommend.

Could be better perks. Tried to get credit increase. Denied.

The customer care service was very good. He was very helpful.

My review is letting people know Credit One is piece of trash. Zero Stars. Zero star. Zero star. 00000 star. I should never get this piece of anything.... People go with Capital One. That's number one. Capital One the best credit card...

Terrible and immoral company. Use any different card unless you like extremely high interest and unreasonable fees.

Idiots from start to finish. No customer service on weekend. Perhaps the biggest moron on the planet.

This company is absolute trash. Don't waste your time or money on them. Their customer service can barely speak English and are dumb as rocks. This company is a scam that got big!!!

First credit card I’ve had. 12 years go to. Use it at the gas pump. Won’t let me use it so I call and after two weeks they need further verification of my identity. It would be 2 weeks before I use the card. I cancels it. I’ll continue to use cash or my debit card.

Horrible company!! I can never get anyone that speaks English!! They never do what they say there gonna do!! It's a big time scam!! Be careful!! They can't even read at this place!!

I want to thank y'all for issuing me a credit card. It has worked wonderfully. Thank you!

Neither myself or wife can never use our cards! It's a hassle to be rung up at the register and then get denied without explanation!!!!

It’s ** company credit. I have new card and I don’t know why don’t activate, I call them every day and they say it’s activated, but I can’t use right now because it’s inactive yet, ** declined. Declined. Decline **.

Love being able to get approved after nobody else would.

Absolutely ridiculous the fees they charge just to get their card and even worse you didn't make a purchase yet on the card YET they send you a bill as soon as you activate the card for payment due in TWO WEEKS 🙄. Canceling it or let it go on my credit. Absolutely foolish!

Excellent card. Easy to use. Great customer service. I highly recommend Credit One.

I haven’t had any issues. They have been great to me!

This is my first time using your credit card and it has been a nice experience

Loving it! I appreciate the approval and trust process.

I am very honored that you have extended credit to me. You have been very helpful in securing my future.

Credit One Bank made it easy to get approval and my card came in the mail promptly as well.

Horrible customer service, horrible at honesty and horrible at retaining customers honestly, just a bunch of thieves. Can't ever speak to an American. All they care about is taking your money and not helping you receive what you’re owed in return. Hope they go bankrupt because really they deserve to by treating people the way they do.

My Credit One platinum card came in handy. Thank you.

I find the accessibility of this card acceptable and easy to maneuver through given the fact that I have to multitask and deal with distractions outside of my control or want.

While I prayed to God for car insurance money, this card magically appeared. While I'm wearisome of more cc debt, the chance to drive some more to the island, is on my life ending bucket list. God bless.

Credit One has been great to me. Great to use. Keep your balances low and pay them off every month, and you'll be rewarded. I prefer Credit One over Capital One any day!!!

It's a top-notch business, the people are extremely professional, a reputable company, and I'm sure it will grow significantly. Congratulations to everyone for their work; I'm delighted with everything that has happened.

I really love my new card. With the additional available credit, my credit score went up.

I was so excited when I got approved with this card to get my score up but I'm disappointed because didn't have the card a week and already got hit with the $49. Monthly service charge and my limit is $200 but also had $49 taken out before I used the card ... So my balance was $151. The start of use ... So I'm thankful but not happy with the way they went about it and they already used half the amount before I could actually use it ...

Great service and no worries. Never had to wait or talk to anyone.

Credit One is the Best. I have been with them for many years!

Enjoy having a high limit credit card with zero yearly membership. Every dollar counts so the fact that you don't have to give away free money just to have a card means a lot to me.

It is terrible—completely unusable. Costco doesn't accept it, payments can't be processed on Amazon, and it didn't go through at IHOP either. Basically, it just doesn't work.

From the application process to the arrival of the product was efficient and seamless.

Every card I try to apply for I get denied. This is the first one that actually gave me a chance to better my credit.

I love this card to use as credit card. It’s safe and fast.

I didn't know about this bank. But they sent me an offer and were willing to give me credit card, which I appreciate, I applied for the credit card. Without any hassle I received the credit card. It’s fantastic

So far, it's been a thank you. The opportunity to raise my credit points, THANK YOU.

Credit One won't allow me to close my account with them unless I send in id for which I'm not comfortable doing. They use to charge 8.50 every 6 months and I would call them and get a refund but when I made a report with credit karma they changed it to 8.50 a month. I call. I'm on hold and then the phone hangs up. The 2 times I did talk to someone they said they could not discuss it with me because they couldn't verify it was me and they would lock my account and continue to charge me every month. I need help to figure this out. My other card like esl etc etc range from 10,000 to 33,000 and they only provide 2 or 3 thousand and charge monthly and I never use them because their interest rate is way too high for me so I don't need them. Someone help me out here please.

I'm so glad I signed up for this card! I Love my new card!!

Terrible customer service!!! I needed information from when the account was opened and they refused to give it to me in writing. They would only tell me over the phone and refused to send a letter or email! I immediately closed the account. I’ve never been more frustrated with a company than this! Avoid them before you get frustrated also!

Great, Credit One helped me more.. Financial freedom starts with credit one.. This inspiring.

Credit one credit card, BEWARE!! They have very very poor customer service. Missed payments, hardship, they will not work with you. They will tack on late fees and sue you. Do yourself a favor, don't get suckered in on credit one credit card flowery advertising. They're wolves, and prey on you.

Thanks for the service. I really appreciate it, and I hope my credit grows more with the credit card.

Great service and fast, on time money. Talked to customer service and they got me right.

I have had the card a couple of weeks but so far, I am very happy to have it available.

I really liked the fast delivery of the card and the whole process was fast.

Filed fraud dispute with documented proof charges were not tied to my Apple account. Claim was denied without proper investigation. Currently escalating.

Really appreciate the opportunity to build my credit and have funds available for when I need them the most.

I love banking with you guys and I really appreciate the customer representative who responded to me when I called for my lost card then.

Awesome for emergencies. I get emergency food because I don't have any food

Have not even used my card yet. But I always liked Credit One/American Express, I am sure I will be happy with my account.

I want to thank you for the card. It's going to help me out help build my credit, so low is real low, though. I love her. They had a $100 card, but I meant it is what it is, it's a good start and I want to appreciate you the service.

I’m glad to say Credit One had a huge role in me getting back on my feet at this time.

I would give this card a 1 star, have had some horrendous experiences with this card, there is a high annual yearly fee which I didn’t know before I applied, totally disappointed either this card in every way.

I was being overcharged at a dentist/dental scam. I tried to dispute it on my credit card and of course they were no help at all. Honestly, this was very unfortunate. You can bank with these people for years and what help are they to you?

They great. They tended to my needs and helped me fully.

I am absolutely pissed off with this bank. I have been a customer for 7 years. All my payments have been on time, but the second I go to dispute a charge it became a problem. I purchased some items from a shopify store on January the 4th. The merchant emailed me after I initiated a chargeback because it never arrived. The merchant reached out to me several weeks later stating that the package was returned due to being damaged. Then the USPS informed delivery mysteriously stated that it had been delivered on March 24th 2026.

The day my payment is due I get 6-9 call. I’m on autopay. The harassment is insane and they have 100s of numbers they call from.

Good and easy to use. So far good Customer service. The only thing I could say negatively is the $75 membership fee to have this card. We should not have to pay this high fee as no other credit card company charges this much as far as I know of. But hey, I joined because I had to start somewhere.

l like the credit card. It help so much. l appreciate all staff of Credit One Bank.

Love my card. Easy to use and it easy to manage through app. Would refer this card to anyone.

Please know that your service review is outstanding. I appreciate all the help you have given to me as a consumer and customer. Thank you so much.

Great. Credit One helps with bills, I was depending on benefits to pay bills. Now credit one have ready for next month.

Great job guys for lending me a credit card. Thank you.

Easy to apply. Got accepted right away. So simple.

This has been the most wonderful card to have. It couldn't come at a better time. Thank you.

It was a great experience to use this card. Many thanks.

A very professional, quick, and smart company to do business with.

Do not do business with this company. They'll claim that your bank sends back payments even if they don't just so they can close your account without notifying you and continue to charge you the monthly fee while your account's closed. They claim my bank sent back payments on two different months. I just went over those months lined by line and my payment did go out to them.

Credit One Bank, I was real excited about getting this card rebuilding my credit! I received my card I paid before bill is due never was reported to my credit report. Paid have of the balance no report on my credit report. Take in mind my bill is not due until April, I'm 3.00 dollars over the limit, they reported this to my all of my credit reports. Not one payment shows on my report but the 2.00 dollars over the limit does which made my score go down 13 points. Unbelievable. I do not recommend this card. I'm paying it off and closing it. Unbelievable.

I recently started using this card but was shocked by the low credit limit and then the games began! They sent me a much higher level card but wanted a large annual fee and I said no! Then I got a letter with a smaller increase but in small print it said I would have to pay 9.99 for it and the interest rate is 29.4%! They're worse than Synchrony!

I initially paid installments of 106 dollars before using the card. I didn't find an explanation for it yet. It's better if this fee was canceled. It's too big. 106 dollars is a big number and I paid it before using the card.

Credit One is a good way to start good safe credit without all the hassle. I think it's a good way for anyone to start building credit. I recommend to everyone to start building credit. I'm grateful and happy with credit one!

Amazing customer service. The financial services they offer are top notch and are helping me daily. I appreciate the help that US Bank has given me in regards to credit lines and opening my accounts with them.

I was recently approved for the Credit One credit card and I love how easy it is and and how they are patient with the payments and I love the cash back rewards. I would highly recommend the card for new credit builders or if you have not so good credit. Thank you Credit One!!

I didn’t realize that I was being charged almost one hundred dollars even before I use this card. I’m almost willing to just give you the ninety-five dollars and stop doing business with you. I‘m researching how this will effect my credit score before I make this decision.

Quick setup. Great customer service! Love the credit line and text alerts right to my phone so I’m on top of my balance!!!! I’ve had other cards and they are so quick to put my card on hold for simple Amazon or even pizza delivery!

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!

I was told I was join to get 2500 approval. I only got 300 credit, don't tell people they approve for a exactly amount if you join to prove them for less.

I am very happy with this credit card company. I love everything about it. It has been very helpful to me. I will always be grateful to have this credit card. Thank you so much. This is absolutely amazing.

Credit One bank has been a pleasure to work with. Their app is super easy to navigate and very user friendly. They have great customer service, and I love both my cards from credit one and use them daily.

Great card to have for unexpected emergencies which happened to me right before it came. Glad I was able to manage those unexpected expenses when they arrived. Cause keeping a well running vehicle is a must have in my field of work.

I've really enjoyed having their credit cards. They increased my credit limit without me even asking, offered me another card with a higher limit, and I'm happy to be part of the Credit One Bank family.

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.

I was really disappointed when I got my card because when you sent me the first letter about getting this card, you said I had a $2500 limit. When I got my card in the mail, it was only $300. I was going to go somewhere because I haven't gone anywhere in years. Plus I needed to have some work done on my Van. Now I can't do any of that. So, yes, I'm disappointed.

Amazing card. Came very quick and helped during a time of need. The app is amazing and helpful and the card itself is very nice and very well made! I think that everyone should try to apply and have this as a back up way of paying since times are so hard for everyone nowadays with the increase in pricing everywhere.

Very happy with new card. Looking forward to improving my credit score and using it towards a financial goal of new home and other endeavors. Application was easy and seamless and was accepted pretty quickly.

I would recommend Credit One Bank credit card to anyone. I would recommend it, great customer service experience, thank you credit one bank. 2026 the overall experience with credit one bank has been amazing and everything they answer all my questions, take good care of me

The annual fee is very expensive. In the first documents I received, it said or at least suggested that the annual fee would be paid in monthly installments, but that’s not the case. They also have a very high interest rate. I’ll probably use the card for at least six months since the annual fee has already been charged, but I wouldn’t recommend it.

Wish I had a bigger credit limit if credit limit on my account would help me out better. Otherwise I really enjoy the card. It works and it very helpful when you're broke until next paycheck but like I said really wish it was a higher limit

My credit score went up by ten points the first month I had my card. I've used it and paid more then the payment requires. It has helped me with purchasing items I need for my vacation this summer.❤️

Bankruptcy 2022, and I have six years left before it is dropped from my credit file. Prior to then I had a credit score between 680 and 725. Today I am no better off in terms of my credit score but I am so old that I will never buy a house or a car. APR after bankruptcy is about 30%, which is atrocious. Getting banks to even give you a credit card becomes difficult after bankruptcy. My situation was different because my credit was always good, I was simply over extended. Call me the least disciplined person on the planet and with advanced year cognitive reasoning and executive function is not what it used to be. Enter Credit One Bank. I got an AMEX card, probably the least functional of all major credit cards. My payment history with them was good. I kept up with payments so well they offered me a $200.00 increase. So why I am complaining about them? Well to go on to the really bad points:

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.

Can't get in touch with customer service, I haven't applied for this account. Someone is telling you the wrong email address. This is the only way I can let them know and I don't know what else to do. Maybe it's a typo on the email address, but who knows.

Read the fine lines. They charge a lot for a cc/year. Takes long, like a week, to pay the account balance and you need to pay extra if you want to make it instant. It's basically unusable when the remaining balance is low. Rewards are hard to earn.

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.

I have had the worst experience with Credit One Bank. They recently offered a increase of my credit line. I have been with Credit One for over ten years. I've faithfully paid my account above the minimum due so yes I accepted the increase. Credit One mailed a new card to me Premier card but I immediately noticed that when I went to make my payment my account from the old credit card amount was still asking for payment. They opened a separate account. I have 2 different credit card accts. I immediately called Credit One and asked if I was paying on 2 different accounts. When they told me yes I flipped. I told you can have your Premier Card back. Close out that account for being so sneaky and double charging me for a increased line of credit. I thank God I didn't spend that money and I'm warning you do not deal with Credit One Bank. They not trustworthy. This happened today 3/4/2026.

I'm not to happy with the 95 dollar fee right from the beginning!!! I haven't even used the card and already I owe you money. That is b.s. in my humble opinion. If it wasn't for the 95 dollar fee, I would have recommended you to about 5 of my friends and family, but I guess that is how you work so.....

Approval was fast and fair, great chance at better credit and better life. I would recommend this card for anybody trying to better their credit score and also knowing you have a great team backing you, thanks.