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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.

Visit www.creditonebank.com
Pros
  • Regular credit line increases
  • Free credit score summaries
  • Options for bad credit
Cons
  • High annual fee
  • High interest rates

Credit One Bank Reviews

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    Page 3 Reviews 65 - 265
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    Reviewed July 10, 2026

    They are the best, the people, the card have been here for me throughout.

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    Staff

    Reviewed July 6, 2026

    I keep login my account. It doesn't know my username or my password. Somebody spent some money at Walmart that I didn't spend. Whenever I need help y'all don't help me.

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    Customer ServiceStaff

    Reviewed July 6, 2026

    Awesome, Amazing, Customer Service! I’m very happy. :)

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    Reviewed July 5, 2026

    OK. Can't complain. Just too low approval. Try it if you can.

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    Customer ServicePriceStaff

    Reviewed July 4, 2026

    Got approved. Never received my card. Spoke to two different representatives months apart. Still no card. On the phone with a third as I type and he’s stating the same thing. He’ll expedite the card at no cost to me but….So the experience thus far has been horrible and feels scammy.

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    Customer ServiceStaff

    Reviewed July 3, 2026

    Good customer service, there is a bit of a language barrier, but they are very nice and patient with you as long as you do the same to them! As for the company I just started and I have no complaints thus far.

    Sincerely, Canute

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    Reviewed July 3, 2026

    Everything time I try to use my card it declines and then a security block gets put on, I've only been able to use my card 1 time today.

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    Billing

    Reviewed July 2, 2026

    It’s nice be member business but I thought I was gonna take 2500 credit card not 75 & on my credit card you sent me

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    Reviewed July 1, 2026

    I love the card. Thanks for giving me this opportunity. It was a blessing for me.

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    Customer ServicePricePunctuality & SpeedRefunds & PayoutsBillingHonesty & Transparency

    Reviewed July 1, 2026

    I got approved for another card that I never received. Upon calling, management would tell me it was mailed. After waiting 30 days and, I never received it. I called again and was finally told the truth that it has not shipped. The company lie, they charge extra fees when it's not a standard payment even though it's online. The language barrier is very frustrating. They are rude and dismissive. They hang up on you. The customer service is horrible. The company is horrible. I finally canceled the card. Once I finish paying my current card off, I'm closing the account. I've never had these issues with none of my other credit cards, just this one.

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    Reviewed June 30, 2026

    I use 125.00 out of 300 and now can't use it. If I would've know that I wouldn't have gotten it.

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    Billing

    Reviewed June 30, 2026

    I am thankful to Credit One Bank for giving me opportunity to build my credit scores up and the fact that they trust me enough to take a chance allowing me to have their card and they also have low monthly payments. I learn how to budget my finance through them.

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    Reviewed June 30, 2026

    Really good experience. I would definitely recommend this card to start building your credit.

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    Punctuality & Speed

    Reviewed June 30, 2026

    Super satisfied with my experience with credit one. Getting approved was quick and easy. I look forward to doing business with Credit One.

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    Reviewed June 30, 2026

    It's been wonderful so far to know that a company will give someone like me a second chance.

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    StaffTimeliness

    Reviewed June 29, 2026

    So far seems secure and Professional as other Banks. I am concerned with consolidation of my other accounts as this was done 4 to 5 days ago and even though it show paid on their side, it's not on the merchant's side which was the criteria. When I pay it's cleared the same day. Due date's coming up so that has me a bit worried...

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    Customer Service

    Reviewed June 28, 2026

    Trusted Communication! Great Customer service. Wished credit line was better.

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    Reviewed June 27, 2026

    Everything is good purchasing my food. Everything went through.

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    Staff

    Reviewed June 27, 2026

    Approved and ready to go in minutes. Helped me in a desperate emergency situation, I’m glad I got it, thank you Credit One.

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    Customer Service

    Reviewed June 27, 2026

    Very satisfied with Credit One. Great communication and offers. Very pleased I applied for the card.

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    Reviewed June 27, 2026

    I’m enjoying my new card. Although I haven’t used it yet, I’m hoping to build something with this new card.

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    Billing

    Reviewed June 26, 2026

    Awesome credit card. No problem or worries. Very good app also.

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    Staff

    Reviewed June 25, 2026

    Great company, easy to work with and helped in a time of detrimental need!

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    Staff

    Reviewed June 25, 2026

    I am happy with Credit one. They gave me a chance with my card than no one else would... It has been help when I needed extra funds...

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    Staff

    Reviewed June 24, 2026

    I really enjoy my card! It is just what I needed to help me rebuild my credit and also it really came in handy when I got low on cash until payday!

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    Punctuality & SpeedEase of Use

    Reviewed June 24, 2026

    It got here quickly and it's easy to use anywhere online or in store.

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    Punctuality & Speed

    Reviewed June 24, 2026

    I got the offer later for 5000 but once I applied I got 2000 limits.

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    Reviewed June 24, 2026

    Awesome. Thank you for the service. Been great so far and I am happy to be a customer.

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    Customer ServiceStaff

    Reviewed June 21, 2026

    The application process was smooth. My phone call with a representative was informative and professional.

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    StaffRates

    Reviewed June 21, 2026

    Love my Amex Card by Credit One. Comes in handy when needed, Always available 24/7 with low rates and great Rewards for membership, What else could you ask for!!

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    Reviewed June 20, 2026

    I made the mistake of signing up for this card, and the fees are almost as high as the credit line. This is a joke and I’m gonna try to cancel immediately.

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    PriceBillingRates

    Reviewed June 20, 2026

    For the interest and the credit amount is not a good credit card, with high interest rate and the credit amount is not a and monthly charges is a rip-off. I made a mistake.

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    Reviewed June 19, 2026

    Thank you. Really appreciate you guys. Great experience for me.

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    Rates

    Reviewed June 19, 2026

    Very easy to apply and get approved, with not so great credit and gave me a fair credit line. I also was impressed at the interest rate, lower than most with a lower credit score.

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    Customer ServiceStaffBilling

    Reviewed June 19, 2026

    This is the best bank card to date if you have no credit or poor credit and you are serious about improving your credit. Everything was completely explained and true to their words. Customer service was very helpful also! It's nice to know that there's a bank and card that really does give you another chance. Everything is reasonable and they have an app to follow your spending and payments. Thank you Credit ONE, you are awesome!

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    Reviewed June 19, 2026

    Awesome card, awesome company, and even better service.

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    Reviewed June 19, 2026

    It was good experience. I would like to other people experience the same.

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    PriceStaffBilling

    Reviewed June 19, 2026

    My Credit One Bank Credit Card is so Amazing. It feels good to be able to charge the things i truly need. Whether it's groceries, clothes, Shoes Or things for my garden. I also enjoy getting cashback from some of the places and things I Purchased.

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    Customer Service

    Reviewed June 17, 2026

    Called to check on the annual fee on my credit and was able to get it reduced and my credit limit increased.

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    Customer ServiceStaff

    Reviewed June 17, 2026

    I was trying to reach customer service representative to speak in regards to my card. To my surprise, there is no option to choose to speak to agent. I think this should be added. I found it very difficult to reach them.

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    Staff

    Reviewed June 17, 2026

    Outstanding. Gave me a chance to build my credit. Thanks.

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    Customer Service

    Reviewed June 17, 2026

    Love it. Easy to activate and use. Customer Service is also great!

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    Reviewed June 17, 2026

    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.

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    Customer Service

    Reviewed June 15, 2026

    The response and turnaround time showed high efficiency.

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    Staff

    Reviewed June 13, 2026

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

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    PriceRates

    Reviewed June 12, 2026

    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.

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    Reviewed June 12, 2026

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

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    Punctuality & SpeedStaff

    Reviewed June 12, 2026

    Thank you for helping me and receiving my card fast.

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    Customer ServicePunctuality & SpeedStaffTransparency

    Reviewed June 12, 2026

    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.

    Second card now sent to the old address. I asked why it wasn't updated but they had no idea my address never changed. It's now been 12 days since my first conversation and 4 days since the second and I just got an email I will receive by June 18. Customer service is horrible. They keep repeating, "We understand your frustration." No apologies. No way to rush it just 7-10 business days by whose calculation.

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    Refunds & PayoutsStaffBilling

    Reviewed June 10, 2026

    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.

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    Billing

    Reviewed June 10, 2026

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

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    Customer ServiceStaff

    Reviewed June 10, 2026

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

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    Reviewed June 10, 2026

    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.

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    Reviewed June 10, 2026

    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.

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    Reviewed June 10, 2026

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

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    StaffBilling

    Reviewed June 10, 2026

    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.

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    StaffBilling

    Reviewed June 9, 2026

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

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    Reviewed June 9, 2026

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

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    Reviewed June 8, 2026

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

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    Customer Service

    Reviewed June 8, 2026

    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!

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    Sales & MarketingHonesty & Transparency

    Reviewed June 7, 2026

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

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    Reviewed June 6, 2026

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

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    Reviewed June 5, 2026

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

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    Reviewed June 5, 2026

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

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    Sales & MarketingOnline & AppStaffBilling

    Reviewed June 5, 2026

    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

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    StaffEase of Use

    Reviewed June 5, 2026

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

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    Refunds & PayoutsBilling

    Reviewed June 4, 2026

    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.

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    Reviewed June 3, 2026

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

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    Customer ServiceSales & MarketingBilling

    Reviewed June 3, 2026

    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!

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    Billing

    Reviewed June 3, 2026

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

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    Reviewed June 3, 2026

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

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    Punctuality & SpeedStaff

    Reviewed June 3, 2026

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

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    Staff

    Reviewed June 2, 2026

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

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    Refunds & PayoutsStaffBilling

    Reviewed June 1, 2026

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

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    Staff

    Reviewed June 1, 2026

    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.

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    Refunds & PayoutsStaffBilling

    Reviewed May 31, 2026

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

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    Reviewed May 31, 2026

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

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    Reviewed May 31, 2026

    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.

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    Customer ServiceStaffBilling

    Reviewed May 31, 2026

    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.

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    Reviewed May 30, 2026

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

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    Reviewed May 30, 2026

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

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    Price

    Reviewed May 29, 2026

    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!

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    PriceRates

    Reviewed May 28, 2026

    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.

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    Customer ServiceContract & TermsPricePunctuality & SpeedStaffBillingTimelinessHonesty & Transparency

    Reviewed May 28, 2026

    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!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 27, 2026

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

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    Customer Service

    Reviewed May 27, 2026

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

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    Punctuality & SpeedBilling

    Reviewed May 26, 2026

    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.

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    Staff

    Reviewed May 26, 2026

    Amazing experience. I will recommend to everyone for sure!

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    Billing

    Reviewed May 26, 2026

    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.

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    Reviewed May 26, 2026

    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.

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    Reviewed May 22, 2026

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

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    Reviewed May 21, 2026

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

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    Timeliness

    Reviewed May 21, 2026

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

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    Reviewed May 20, 2026

    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.

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    Reviewed May 20, 2026

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

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    Billing

    Reviewed May 19, 2026

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

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    Ease of Use

    Reviewed May 19, 2026

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

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    Reviewed May 19, 2026

    I love these cards because of the credit protection.

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    Customer ServicePrice

    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.

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    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.

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    StaffBilling

    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….

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    Price

    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.

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    Staff

    Reviewed May 16, 2026

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

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    Customer Service

    Reviewed May 16, 2026

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

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    Reviewed May 15, 2026

    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.

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    Refunds & PayoutsBilling

    Reviewed May 15, 2026

    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.

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    Reviewed May 15, 2026

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

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    Customer ServicePunctuality & SpeedBilling

    Reviewed May 14, 2026

    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.

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    Customer ServicePricePunctuality & SpeedBilling

    Reviewed May 14, 2026

    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!

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    Customer ServicePunctuality & Speed

    Reviewed May 13, 2026

    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.

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    Customer ServiceContract & TermsStaff

    Reviewed May 13, 2026

    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.

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    Reviewed May 12, 2026

    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.

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    Reviewed May 10, 2026

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

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    Reviewed May 9, 2026

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

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    Reviewed May 9, 2026

    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!

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    Reviewed May 9, 2026

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

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    Customer ServiceSales & MarketingOnline & AppStaff

    Reviewed May 9, 2026

    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.

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    Reviewed May 9, 2026

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

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    Billing

    Reviewed May 8, 2026

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

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    Customer ServiceRefunds & PayoutsStaffBilling

    Reviewed May 8, 2026

    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 called the company again and now this agent has told me that the previous agent has made an error and the processing time for a refund is actually 7-10 business days. I asked to speak with a supervisor who basically was only able to send a follow up to whomever was processing the refund but she stated the payment was still 7-10 days but it may get there sooner. Meanwhile I had already called my mortgage company to plead my case and made a second payment that may or may not bounce again. This is an UNACCEPTABLE practice. My error...my problem, NOT my error then not my problem or responsibility. I am very dissatisfied with this company's performance in this matter.

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    Reviewed May 6, 2026

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

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    Rates

    Reviewed May 6, 2026

    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.

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    Reviewed May 5, 2026

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

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    StaffBilling

    Reviewed May 5, 2026

    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

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    Reviewed May 5, 2026

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

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    Billing

    Reviewed May 5, 2026

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

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    Billing

    Reviewed May 4, 2026

    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.

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    Customer ServiceStaff

    Reviewed May 4, 2026

    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!!

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    Reviewed May 4, 2026

    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.

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    Customer ServiceCoveragePricePunctuality & SpeedOnline & AppStaffBillingRates

    Reviewed May 4, 2026

    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.

    Since I was sick at that time, A representative finally used insurance to cover costs for the high interest that I was getting charged, (even though, I told them I lost my card, closed the account and never received a new card so I could pay off my balance) to help so I used auto payments each month to get my balance paid off and move forward with my life. It was going well until I had an issue with my bank card and my bank replaced card so I called Credit One to make a full payment but the representative wouldn't take a payment without a card number, they refused to find me using my social security number, and no one would call me back to take the payment because of a do not contact in the system that I didn't agree to have on my account- they wouldn't remove it because they wanted me to put in writing confessing.

    Now Credit One sold my account, instead of, taking my money which was about $300 and the account would've been paid already. Now LVNV Funding has my account, they never called or send a letter to settle this amount because of the do not contact on my record, instead, this company filed at the local magistrate court in my area to force me to pay over $1200 to satisfy a balance that I don't owe.

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    Sales & Marketing

    Reviewed May 3, 2026

    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.

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    Customer ServicePunctuality & Speed

    Reviewed May 3, 2026

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

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    Verified purchase
    Sales & MarketingOnline & App

    Reviewed May 3, 2026

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

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    Punctuality & SpeedStaffBilling

    Reviewed May 2, 2026

    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!

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    Staff

    Reviewed May 1, 2026

    It portrays great experience and helpful when needed.

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    Customer ServiceSales & MarketingOnline & App

    Reviewed May 1, 2026

    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.

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    Reviewed May 1, 2026

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

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    Sales & MarketingEase of Use

    Reviewed May 1, 2026

    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

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    Customer ServicePricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingTimelinessFollow-Through

    Reviewed April 30, 2026

    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.

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    Staff

    Reviewed April 29, 2026

    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. 🙏❤️

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    Reviewed April 29, 2026

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

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    Customer ServiceSales & MarketingPunctuality & SpeedStaffBillingEase of Use

    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.

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    Reviewed April 29, 2026

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

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    Reviewed April 28, 2026

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

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    Sales & Marketing

    Reviewed April 28, 2026

    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.

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    Reviewed April 28, 2026

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

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    Staff

    Reviewed April 27, 2026

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

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    Billing

    Reviewed April 27, 2026

    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...

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    Rates

    Reviewed April 27, 2026

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

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    Customer Service

    Reviewed April 26, 2026

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

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    Customer ServiceSales & Marketing

    Reviewed April 26, 2026

    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!!!

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    Customer ServiceBilling

    Reviewed April 25, 2026

    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.

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    Customer ServiceSales & MarketingFollow-Through

    Reviewed April 24, 2026

    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!!

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    Billing

    Reviewed April 23, 2026

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

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    Transparency

    Reviewed April 23, 2026

    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!!!!

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    Customer Service

    Reviewed April 22, 2026

    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 **.

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    Reviewed April 22, 2026

    Love being able to get approved after nobody else would.

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    PriceBilling

    Reviewed April 22, 2026

    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!

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    Customer ServiceStaffEase of Use

    Reviewed April 22, 2026

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

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    Reviewed April 21, 2026

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

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    Billing

    Reviewed April 21, 2026

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

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    Reviewed April 21, 2026

    Loving it! I appreciate the approval and trust process.

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    Staff

    Reviewed April 21, 2026

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

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    Punctuality & Speed

    Reviewed April 20, 2026

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

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    Customer ServiceStaffHonesty & Transparency

    Reviewed April 19, 2026

    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.

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    Staff

    Reviewed April 18, 2026

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

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    Reviewed April 17, 2026

    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.

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    Coverage

    Reviewed April 16, 2026

    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.

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    Reviewed April 16, 2026

    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!!!

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    Staff

    Reviewed April 15, 2026

    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.

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    Reviewed April 14, 2026

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

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    Price

    Reviewed April 14, 2026

    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 ...

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    Punctuality & Speed

    Reviewed April 14, 2026

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

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    Reviewed April 14, 2026

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

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    Billing

    Reviewed April 13, 2026

    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.

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    Billing

    Reviewed April 13, 2026

    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.

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    Reviewed April 13, 2026

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

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    Reviewed April 13, 2026

    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.

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    Punctuality & SpeedBilling

    Reviewed April 12, 2026

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

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    StaffBilling

    Reviewed April 12, 2026

    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

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    Reviewed April 12, 2026

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

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    Customer ServicePriceRefunds & PayoutsStaffRates

    Reviewed April 11, 2026

    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.

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    Reviewed April 11, 2026

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

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    Customer Service

    Reviewed April 10, 2026

    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!

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    Staff

    Reviewed April 10, 2026

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

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    Customer ServiceSales & MarketingPunctuality & SpeedMaintenanceBilling

    Reviewed April 10, 2026

    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.

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    Billing

    Reviewed April 9, 2026

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

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    Customer ServicePunctuality & Speed

    Reviewed April 8, 2026

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

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    Reviewed April 8, 2026

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

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    Punctuality & Speed

    Reviewed April 8, 2026

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

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    Price

    Reviewed April 7, 2026

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

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    Reviewed April 6, 2026

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

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    Customer ServiceStaff

    Reviewed April 5, 2026

    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.

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    Reviewed April 5, 2026

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

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    Reviewed April 4, 2026

    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.

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    Staff

    Reviewed April 4, 2026

    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.

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    Reviewed April 4, 2026

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

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    Reviewed April 1, 2026

    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.

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    Sales & MarketingStaffBillingHonesty & Transparency

    Reviewed April 1, 2026

    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?

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    Staff

    Reviewed March 31, 2026

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

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    Credit One Bank Company Information

    Company Name:
    Credit One Bank
    Website:
    www.creditonebank.com