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Credit One Bank® Cash Back Rewards Credit Card

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3.3 out of 5 stars
320 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

3.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0 - $99
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 15.65% - 24.15%* Variable

Our Take

The Credit One Bank® Cash Back Rewards Credit Card can help consumers with fair credit health build credit and earn rewards at the same time.

What to Like

The Credit One Bank® Cash Back Rewards Credit Card offers credit lines starting at $300. The card features 1% cash back on eligible purchases (terms apply), and many consumers looking to establish or rebuild their credit may qualify.

Look Out For

The Credit One Bank® Cash Back Rewards Credit Card includes an annual fee that ranges between $0 and $99. Cardholders are also charged $19 annually for adding an authorized user, and not all applicants qualify for a grace period on interest payments, meaning you could be charged interest from the date your charges are posted, instead of only after your due date.

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Most Helpful Positive Review

Dec 16, 2015
Perfect if you can't make a deposit
parugo Cardholder

I have a secured card and just applied for this card as well and my score is 560TU 580EQ. The app itself took 5 minutes to complete. I was approved within two business days (applied on Friday and got the message on Tuesday), the card was mailed in two business days (sent Thursday), and I received the card that following Monday. Less than 2 weeks from the application date. I never had to send any documents to anyone and I never received any phone calls. I really don't understand what people are complaining about.

Let me be clear about something most reviewers don't seem to understand: YOU HAVE POOR CREDIT. YES THERE ARE FEES THEY NEED TO MAKE MONEY. ALL OF THE FEES ARE LISTED BEFORE APPLYING AND IN THE AGREEMENT YOU ARE SUPPOSED TO READ BEFORE FINALIZING YOUR APP.

It's like asking someone to trust you when you have a history of lying. They need to protect their money and their investors' money (if they have any idk) so they're going to charge you in case you default. It helps mitigate losses. After a year of good payments, your score should go up considerably ASSUMING you're not flopping any of your other loans, and then you can move onto bigger and better fish with lower/no fees. Mine went up 100 points in just 7 months because I buckled down and kept my payments up. After a year of this card I'll move on. That's what this card is used for. Also, I read some reviewers saying the fees for credit limit increases are insane but it states right in the user agreement that CREDIT LIMIT INCREASES ARE OPTIONAL. YOU HAVE THE RIGHT TO REFUSE THEM AND PAY NOTHING.

Again, you have bad credit. Stop whining and suck it up for a year or two until you can qualify for better cards.

I haven't needed to contact to customer service so I will give them no rating.

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Most Helpful Negative Review

Apr 08, 2016
Surprised by it...
phwill1976 Cardholder

I kept seeing all these negative reviews so I put off applying for a month...I had used the pre qualify tool and was approved with no hit to my score...Finally I thought.. Why not! I could use the extra new Credit line to rebuild. I was approved for 300.00. And yes I had 75.00 annual fee taken...and yes interest is high...and they charge interest from the purchase date not statement date. So I only spend about 30.00 or less. I got card in February... They reported and my score jump about 30 points. Any rate, made payment online standard and it does take time to release as available credit...So it's like 10 days but because I keep my balance to 20-30 dollars it doesn't affect me. Any rate, out the blue today...email, instant 150.00 CL increase just for making first payment on time. Gotta love that. I have not had any issues with them yet so can't speak about customer service etc. But card is serving purpose well so far. In a year, I'll close it and on to better cards but this is a good one to help get you moving in the right direction if you jacked up your credit like me in my 20's...

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These reviews were written by current and former cardholders in the last year.

Dec 05, 2016
Nothing to see here folks.
Starlett2016 Cardholder

Credit one made an error and reported my new credit card to the credit agencies before the due date and with additional charges with more than 30% utilization on the card before I ever used it and negatively impacted my credit score to the toon of 65 points! After reporting the card to the agencies they removed the additional charges. However they told me I should send them a copy of my credit report and dispute their error if I want then to fix their mistake.  I am beyond livid. I hade finally gotten my credit above 600. Now back to the drawing board. But I won't quit!

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Dec 05, 2016
worst
mmtt123 Cardholder

i been fighting with these guys for months. customer service is the worst. i never appied for the card but yet it showed up on my credit report  after months of  fighting they still wont remove it so know its costing me money for something that is easly done on there end.

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Dec 05, 2016
OK if Needed
Anonymous Cardholder

If needed its okay but there is allot of fees but if you contact them and pay on time they will lower them but you need to ask.

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Dec 05, 2016
Customer Service
Anonymous Cardholder

I had no problem applying for the card but the customer service is something they need to work on.

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Dec 05, 2016
Anonymous Cardholder

High fees, i never missed a payment in over a year of having the card, I have found it  extremley hard to get credit limit increases, fees to credit limit ratio takes a couple of years to make sense. over a year now, not one increase, but the anual fees keep coming.

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Dec 03, 2016
ajruss99 Cardholder

Reported   my balance before due date costing me 47 point

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Dec 03, 2016
Great card for rebuilding your credit
Anonymous Cardholder

The application process was easy I got a credit line increase within 2 mints without even applying for one!!!

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Dec 02, 2016
Good Card
Anonymous Cardholder

I applied for the card and it said I was approved for $500.00 I was shocked then after a month or two I believe it went to $650.00. I hate the fees but all and all a pretty good card and I'm happy with it!! 

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Dec 02, 2016
Anonymous Cardholder

This is a great vehicle for rebuilding your credt.

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Dec 02, 2016
Good starter card.
Anonymous Cardholder

They start you off low with a high annual fee until you establish credit. They eventually, with timely payments offer you an increase in your credit limit, but there is also a fee for that. Later, they did increase my limit with no charge. Although that may sound like a complaint, I must say that i do appreciate that they did give me the chance in the first place. I did establish good payments and have other cards with better interest rates. I will eventually pay this off and close it only because of the current high interest rate of 24%.

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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

Credit One Bank® Cash Back Rewards Credit Card