Credit One Bank® Cash Back Rewards Credit Card Reviews

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

From Cardholders in the last year


Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

2.5 5

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 07, 2020
Don't waste your money

The app is junk and the card takes forever to post a payment and they charge you the yearly fee on your first month

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Feb 06, 2020
Dropped my credit score 90 points !!
Lindsay75 Cardholder

When you open a new account it drops your score, this card dropped my score 90 points then when I paid it off they never put credit back on the card, so I have a useless card and dropped my credit score and paid $60 for the annual fee!!!

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Feb 06, 2020
GINFLO Cardholder

I've had the card for a couple of months and so far so good. I am using this card to help raise my credit score so I knew it wasn't going to be the best card out there but it is not a bad card. I usually make my payment on Thursday when I get paid and my payment post that Friday to my account and the available credit shows up that Monday. I think it take this long because you are paying through a banking account instead of a debit card. I do it this way to keep from paying the processing fee. The card is a means to an end because I have screwed up MY credit, so I look at it for what it is.. a way to get myself on a better credit path.

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Feb 05, 2020
Outstanding card to have in your wallet.
captaindkw Cardholder

Outstanding service.

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Feb 05, 2020
****in sucks
matt1234g Cardholder

balance way too low, you idiots keep sending me emails to review this **** so here you go.  now leave me and my ****ty 300 dollar card alone!

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Feb 05, 2020
Can I give no stars
You123456suck Cardholder

Avoid at all cost... just go secured with discover or open sky

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Feb 05, 2020
Rschloma Cardholder

The process was smooth and it is reported to help credit rating. Limit increase after payments are made on time 

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Feb 05, 2020
Fees are a little high
Pippi33884 Cardholder

Fees Are a little high seems like it takes a long time for payment to post compared to my other cards but overall decent.

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Credit One Bank® Cash Back Rewards Credit Card Reviews

Credit One Bank® Cash Back Rewards Credit Card