Credit One Bank® Cash Back Rewards Credit Card Reviews

Credit One Bank® Cash Back Rewards Credit Card Reviews
2.7 out of 5 stars
277 Reviews

From Cardholders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

2.5 5
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Most Helpful Positive Review

Jun 08, 2019
Use only to build or rebuild credit...
Neosabre Cardholder

This card is for building or rebuilding credit. Everything is explained up front if you just take the time to read their policies. I was granted a starting credit limit of $500 with a credit score of around 580. After one year, they will allow you to apply for a credit limit increase. They report to all three credit agencies; so get this card if you can afford the fees and interest rate. There is an annual fee. Use it sparringly and make sure you make at least the minimum payment monthly and you will see your credit score increase. The interest rate may be high but that's just the price you pay when applying for a no-frills starter credit card. Also, customer service has been good to me so far. Payments post to your account within 24 hours usually but it sometimes takes a few days for your available credit to reflect your payment. Website is minimalistic but gets the job done. Use this card wisely, correctly, and do your part and you shall reap the benefits of a higher credit score.

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Most Helpful Negative Review

Oct 30, 2019
One of the worst possible cards around
zyvt Cardholder

This card should win an award for being the payday loan of the credit card industry.  There are a couple other shady issuers like Credit One, known as "fee harvesters".

Reading Credit One's Cardmember Agreement will shock you - unlike all the other credit cards in the industry, they begin charging interest the moment a charge posts to your account.  WIth most credit cards, you have up between 30 and 55 days before being charged interest, but not with Credit One.  They have horrible customer service, no benefits, and target sub-prime (read: poor) individuals with credit offers.  There's no way out of the annual fee except to cancel the card, which trashes your credit.

Avoid this AT ALL COSTS.  Apply for a Discover It Secured or Capital One Platinum Secured card.  If you get this card, you will pay dearly for it.  Your purchases will all cost exorbitantly more because of interest, and you will be hit with fee after fee after fee.  Want to increase your credit limit?  There's a fee for that. 

This card is among the absolute worst.  Do not get it.  DO NOT.

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

Feb 24, 2020
Terrible reward system
Sman4x4 Cardholder

So i have excellent payment history, I do only have fair to good credit. I have never gone over limit. I have a small balance. This helps my credit score. I have had this card for 7 months i was eligible for a credit limit increase after 6 months. So i called, they denied me. I cant figure out why. I havent missed a payment on any of my bills. I have 100 % on time history. With all my bills. I have 30 % balance on this card. It is obvious credit one does care about client relationships. They are getting alot of interest payments from me. And on time. This card will be getting paid off and getting put away. Do not bother if you want to be rewarded for doing things right.

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Feb 21, 2020
Sham
DebtFr33in2021 Cardholder

This is the worst ever card if you're trying to rebuild your credit. I ordered the card never even activated it and they sent me a bill after I canceled. Get a secured card from a MAJOR provider you will be better off. 

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Feb 19, 2020
I had this card 1day, worst CS!
Counttresa Cardholder

CS was so bad after only 2 calls that it scared me into closing my account on day1! Red flag central. 

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Credit One Bank® Cash Back Rewards Credit Card Reviews

Credit One Bank® Cash Back Rewards Credit Card