Credit One credit cards are an excellent option for anybody searching for an unsecured credit card to help build credit if used properly, with various credit card offerings to suit different needs.
If you have bad credit and seek to repair your credit score, you’ve received an online offer from Credit One Bank. If you’re wondering whether One Bank credit cards are right for you or which deal best meets your circumstances, we’ve gathered all the information you’ll need to check through the many credit card offerings and make the best decision.
Credit One Credit Card Offerings
Platinum Visa Rewards
Our point of view
Platinum Visa Rewards with Cash Back Rewards has $95. It is an annual charge, but it also has a fantastic cash-back rewards program that readily compensates you for it. You’ll get 5% cash-back on your first $5,000 in qualified everyday spending on petrol, food, internet, cable, satellite TV, and mobile phone services each year and 1% afterward. If you spend more than 5,000 on grocery purchases in a year, you’ll receive $250 in cash back before the earnings cap is reached. There’s also a 500 starting credit limit, ideal for those with acceptable credit.
Furthermore, an American Express Blue Cash Preferred Card can be worth considering if you have exceptional or decent credit and enjoy collecting rewards from supermarkets. It has a higher payback rate on other grocery purchases made in US food retailers.
- It is necessary to have a minimum average.
- Each year, cash-back incentives of 5% on the first $5,000 in eligible spending on petrol, groceries, internet, satellite TV, cable, and mobile phone service, and then 1% after that.
- The credit line must be at least 0.
- 23.99 percent variable APR
- The annual fee is $95.00
Credit One Bank Wander Card
Our point of view
Credit One Bank is an excellent place to start if you enjoy traveling. The Wander Card is a fantastic option, with benefits tailored to national amusement parks and park visitors. Restaurants, amusement parks, and hotels all provide cardholders bonus points. New cardholders will receive an $80 credit card statement credit the first year in return for a national park ticket. With a yearly cost of $95, this is a significant discount on travel.
It’s simple to cash in your points. You may use them to get statement credits in 1,000-point increments for one cent for each point. You may also spend your points to buy gift cards, products, etc. Additionally, credit lines increase opportunities with good credit management.
- A credit score of Fair/Good/Excellent is necessary.
- Earn 5X points for approved amusement purchases at a park or recreational institution, 3X for hotel and restaurant purchases, and 1X for all other transactions.
- There is a $500 credit limit. This is the bare minimum. However, credit line increase opportunities might be available.
- 23.99 percent variable APR
- The annual cost is $95.
Bank American Express Card
Our point of view
American Express Card from Credit One Bank, The annual fee for the Credit One Bank American Express Card, is $39, but it gives limitless cash-back benefits on all transactions. Because it’s an American Express card, you’ll have fewer options for merchant acceptance, but features such as 90-day theft insurance and damage protection on qualified transactions protect you. Furthermore, American Express offers travel benefits as well as purchasing security measures.
- Average-Excellent is the name of the grade.
- Cash-back is available on all purchases at any time.
- The minimum credit line is 300.
- 23.99 percent variable APR
- The fee is $39 per year.
The Credit One Bank Platinum Rewards Visa has no yearly fees.
Our viewpoints
This is the only Credit card with no annual fee, and it is one of the best options on our list. It’s a great way to earn incentives while still earning credit. You won’t have to pay an annual fee to get 2% cash back on qualified petrol and food purchases, as well as internet, mobile cable, and satellite television services (terms must be adhered to). You can only earn cash-back in the designated making areas, and if you have a good credit score, you can locate better cash-back credit cards. One Bank Platinum Visa comes with an initial credit limit.
- The minimal score is excellent.
- Earn 2% cash-back on food and gas purchases and internet, mobile phone, cable, and satellite TV purchases, subject to certain limits and terms.
- The minimum credit line is $300.
- 23.99 percent variable APR
- There is no yearly charge.
Credit One Bank offers unsecured Visa cash-back rewards.
Our viewpoints
The Credit One Bank Unsecured Visa(r) with Cash Back Rewards has a less profitable equivalency scheme than the two cards above, with an annual fee ranging from $0 to $99 and just 1% cash-back accessible in a limited number of categories. It’s a viable solution for anyone trying to improve their credit performance. You should consider this credit card if you need to be qualified for the following incentives.
- The score that must be given is poor/bad.
- Earn 1% cash back on qualifying items such as petrol, groceries, cell phones, cable, internet, and satellite TV. Terms and conditions apply.
- The minimum credit line is $300.
- The variable annual percentage rate (APR) runs from 17.99 to 23.99 percent.
- Annual fee: $0-$99
NASCAR Credit Card
Our viewpoints
Credit One Bank is a financial institution based in the United States. The NASCAR Credit Card is one of the Credit One Bank credit cards to rebuild their credit. It costs $39 to $99 annually, including cash-back on NASCAR purchases. It also provides NASCAR fans exclusive deals, discounts, and unique experiences. It’s an excellent alternative for improving your credit score if you’re a NASCAR fan.
- The needed score is Excellent/Good/Fair/Poor/Bad.
- 1% cash back on qualified automobile and fuel purchases. The NASCAR Shop will give you double cash back, subject to terms and limits.
- Minimum credit line Maximum credit line: $350 (discounted by the yearly fee you’re allowed). For instance, if you were given a $99 annual charge, your credit line would be $201).
- 23.99 percent variable APR
- Annual fees range from $39 to $99 per year.
The Vegas Golden Knights Credit Card.
Our viewpoints
Saving money using an unsecured Visa(r) with cash-back incentives is great. It’s created for hockey lovers who live in Las Vegas and is comparable to the Credit One Bank NASCAR Credit Card. It will levy a fee that will vary from $0 and $75 at first. Following that, it’s $0-$99. While it provides exclusive deals and discounts to Golden Knights supporters, it does not offer a cash-back return for Golden Knights purchases. Instead, you’ll get 1% cash-back on all transactions, just as with the Credit One Bank Card. The card also offers customer service support to assist you with questions or concerns.
- The following score is necessary. Rebuilding-Excellent
- The cash-back incentive is available for qualified purchases.
- Credit line minimum credit limit: $300 (reduced by the yearly fee you can pay; for example, if you are given a $99 annual fee, your credit line will become $201).
- 23.99 percent variable APR
- The yearly fee for the first year ranges from the least sum to $85. Following that, it’s $0-$99.
The Best Friends Credit Card – A Great Student Credit Card Option
Our viewpoints
The Great Friends(r) Credit Card offers reward points on pet purchases and a bonus for your animal friends. A 1% gift will be sent to the Best Friends Animal Society on qualified purchases. The card is ideal for pet owners looking to enhance their credit ratings, with an annual cost ranging from $0 to $ 39. It also serves as a great student credit card for young adults looking to build their credit history while caring for their furry companions.
- The range of scores is from average to excellent. a typical grade
- Each period of the year, if you spend $5,000 or more at a certified pet store or pet food and pet supplies business, you will earn a 5% cash-back credit and an additional 1% reward credit.
- The minimum credit line is $300.
- 23.99 percent APR (Annual Percentage Rate)
- Annual fee: $0-$39
Six Flags Rewards with Visa Rewards
Our viewpoints
The Six Flags(r) Rewards Visa is an excellent option for people who enjoy amusement parks. It gives you a lot of points for gas, food, and lodging, and it also gives out a lot of issues for Six Flags purchases. Customers with a good to average credit score can apply, with those below the range incurring a $0-$39 yearly cost. It’s not a bad offer for individuals trying to improve their credit scores, but those with higher scores will profit more.
- The range of scores is from average to excellent. a minimum grade Purchases at Six Flags earn 3X points, food, gas, and lodging costs earn 2X points, and each transaction makes 1X points.
- The minimum credit line is $300.
- 23.99 percent APR (Annual Percentage Rate)
- Annual fee: $0-$39
WWE Champions Credit Card.
Our point of view
The WWE(r) Champion Credit Card is an excellent choice for those with fair credit who appreciate athletic events. With a $49 annual membership, you may receive cash-back on all purchases and bonus incentives for specific categories like television, cell phones, and dining out. On the other hand, the benefits for WWE fans are less significant and include a brand-named card and access to WWE’s special promotions. On the other hand, cash-back beneath back is a substantial incentive to join, even paying the annual membership fee.
- It is necessary to have a minimum average.
- Purchases of qualified internet, satellite, cable TV, and mobile phone service will earn you 3% cash-back. 2% cash-back on acceptable dining costs and 1% cash-back on cashback-eligible purchases.
- The minimum credit line is $300.
- 23.99 percent APR (Annual Percentage Rate)
- The cost is $49 per year.
WWE Superstars Credit Card
Our point of view
Credit One offers the WWE(r) Superstar Credit Card, a distinct WWE-branded credit card for clients trying to restore their credit. Like its sibling, the WWE(r) Champion Credit Card, this WWE(r) Superstar Credit Card has a distinctive card style and special WWE promotions. However, the cash-back advantages are limited to specific spending areas, and the yearly fee is fairly costly. When choosing a credit card that meets your financial needs, it is important to consider the impact on your bank accounts. Secured credit cards enhance your credit while providing more significant reward points and no annual fees.
- To score, you must rebuild.
- Earn 1% cash back on eligible internet, cable, and satellite TV purchases, as well as mobile phone service, in addition to food purchases.
- The minimum credit line is $300 (which is powered by a yearly fee if applicable; for example, if the annual fee is $99, the credit line would be 200).
- 23.99 percent APR (Annual Percentage Rate)
- The first year costs $75, with future years costing $99.
Advantages of owning a credit card
The rewards come in the form of money.
You may receive cash-back when you purchase with any Credit One card, even those credits. The incentives range from 1% cash-back on a select few assets to 5% cash-back on a few purchases, with 1% cash-back on all other transactions.
There is no requirement to provide a security deposit.
Because none of the cards listed above demand a deposit, you may begin establishing credit without paying a significant sum of money (though you will still have the expense of an annual charge).
A credit report is available for free.
You may sign up for a free credit score that will allow you to see your recommended credit score and a summary of your credit report online.
Notifications have been issued to the major credit bureaus.
Credit One distributes credit reports to all three leading credit agencies (Experian, TransUnion, and Equifax) monthly and supports you in setting up an account with a credit history.
The credit line has been expanded.
Credit One scrutinizes your credit card account regularly. By responsibly using your credit card, you may raise your credit score.
You can prequalify yourself by filling out an online form.
You may prequalify for all Credit One’s services online without needing to take out a loan. When you’re ready to apply, you’ll be able to see if you’re qualified for an offer and what type of deal you could be eligible for.
There is no possibility of deception.
If you contact Credit One as quickly as possible, you will not be held responsible for fraudulent monthly payments.
Decide on a payment due date.
If the default date for Credit One’s due date does not work for you, you can choose a different date.
Added Benefits Program
You might gain an extra 10% cash-back if you join Credit One’s Rewards program and subscribe to offers only available to members.
When using the Credit One card, what should you check for?
Credit One cards can benefit those who desire to improve their credit ratings; nevertheless, the card’s terms are challenging to grasp because they vary depending on your credit history.
There are a few things to bear in mind when applying for the cards:
An annual charge is required. If you’ve been prequalified, read the deal’s conditions carefully to see if you can afford the yearly charge. Many Credit One cards include yearly fees, which may be expensive for cardholders, with a few (up to $99 annually) if you’re attempting to improve your credit score. Furthermore, you will know the annual cost once you’ve been prequalified. Charges can also be paid in various ways: some cards charge everything at once, while others might split their annual price by 12 and be invoiced monthly. Additionally, consider if express payment options are available to make managing your fees more convenient. A secured credit card without an annual cost could be a better option.
Reading all of the criteria and terms of this lawsuit may be challenging due to the numerous exclusions in the fine print. Several terms could be more obvious. Although Credit One has made significant progress in the last year, delivering more transparent yearly costs and rewards rates on its website. However, these conditions are only sometimes made plain in advance. Thankfully, Credit One provides further account information once you complete the prequalification form, and you will only be required to sign a contract once you understand the terms and circumstances.
The credit limit will be limited at first. When you apply for credit with a Credit One credit building program, remember that the yearly fee will be applied to your account and subtracted from your credit limits during the first month. If the card you’re looking for has $99 annual fees and a $300 credit limit, you’ll only have $201 left until you pay it off this month.
As an alternative, a credit protection policy is offered. Credit One provides credit protection coverage as an option for various products. In the event of unemployment or disability, Credit One will aid you with payments at a rate of $0.96 for every 100 you have. Propose that you refrain from paying the monthly fee by having a balance in your account.
What are the best ways to get the most out of your Credit One card?
Using your cards appropriately may enhance your credit score and eventually be eligible for more significant credit limits and better cards. Here are some ideas on how you can make the most of your new card:
You should use your credit card once a month. You won’t develop a credit history if you don’t use your credit card. Make regular expenditures on your credit card, such as an exercise subscription, to be things more accessible, and make sure to pay them off every month. You’ll be on your road to an improved credit score within minutes.
Don’t overcharge your consumers. It’s easy to fall into credit card debt with credit and debit cards, so use your new credit card cautiously. Rather than buying a spree, start modestly with a few monthly costs and gradually expand your spending.
It would help if you were not carrying a balance. Make a payment on your debt every month. This is not only an excellent method to avoid falling into the debt trap, but it also helps keep your credit usage low, a critical element of your credit score.
Pay the amount when your statement is finished. To guarantee that your credit card bill is handled, you should pay it before the due date. If you do it this way, you won’t have to pay fines or interest.
“Please check cashing is not a recommended method for paying off your credit card bill. It’s better to pay the amount in full before the due date to avoid fines and interest charges.”
Below are some statistics about Credit One Bank credit card offerings:
| Credit Card | Annual Fee | APR | Rewards |
|---|---|---|---|
| Platinum Rewards Visa | 0 | 24.99% | 1% cash back on eligible purchases |
| Platinum Rewards Visa for Rebuilding Credit | 0 | 24.99% | 1% cash back on eligible purchases |
| Credit One Bank American Express® Card | 95 | 24.99% | 2% cash back on eligible purchases |
| Wander® Card | 95 | 24.99% | 10X points on eligible hotels & car rentals booked using the Credit One Bank travel partner, 5X points on eligible travel including flights, dining, & gas purchases, 1X points on all other purchases |
Frequently Asked Questions about Credit One Card
What is the maximum credit limit on Credit One?
The credit limit will vary depending on your credit score. Initially, the credit limit would be between $300 and 0.
How frequently does Credit One provide raises?
Credit One does not specify a deadline for credit line increases, but it periodically reviews your account for a higher credit line.
Is the Credit One Credit One credit card a good choice?
If appropriately used, Credit One cards are a fantastic alternative for anyone looking for an unsecured credit card to help improve credit.
Is Credit One Bank is a reliable company?
Credit One Bank is, without a doubt, a legitimate Las Vegas-based institution. Credit One began as a full-service bank in 1984 and has since evolved into a specialist in unsecured credit card products.
Are you sure Credit One is a subsidiary of Capital One?
Despite their similar names, Credit One and Capital One are not linked.
Is the Credit One credit card secured or unsecured?
All Credit One cards are accepted. Credit One cards are unsecured, so you won’t have to pay a security deposit to get one.
Is there a charge for Credit One monthly?
Yes. Credit One does not charge an annual fee but imposes a yearly fee for specific cards, payable monthly. If you are eligible for a credit card with no annual fee, you may have to pay an annual fee as high as $99.
Is Credit One good for your credit score?
Credit One is a credit reporting agency that works with all three major credit bureaus as a partner. The Credit One card might help you improve your credit score if you use it wisely.
