Credit One Bank® Cash Back Rewards Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
20.24% ‐ 26.24% (Variable)
Balance Transfer
-
Rewards
1% cashback (1% cash back rewards)
Signup Bonus
-


6.5/10
Informr score
The Credit One Bank® Cash Back Rewards Credit Card currently has an Informr score of 6.5 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

What's good

  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless

What's bad

  • Annual fee
  • No signup bonus
  • No Balance Transfers
  • Foreign Transaction Fee

Am I eligible?


Credit One Bank® Cash Back Rewards Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use. The card comes with a few unique features like the ability to pick your due date and customize your card image.

- Compare Cards
Money Crashers

Credit One Bank Cash Rewards is appropriate for applicants with less-than-perfect credit and a penchant for simple, straightforward credit card rewards programs. Unfortunately, it’s not the most generous cash back card out there, and its rather high fees are particularly problematic for cash advance...

- Brian Martucci, Money Crashers
Wise Bread

This card is best for those who have poor to bad credit but don't want get a secured card that requires a security deposit. However, if your score is in at least the mid 600s, there is a chance you can qualify for a better unsecured credit card.

- Christina Majaski, Wise Bread
MyBankTracker

The Credit One Bank Cash Back Rewards Platinum Visa might be one to consider if you want to build credit while earning some cash back rewards.

- Rebecca Lake, MyBankTracker
Beverly Harzog

The minimum payment due is 5 percent of your balance. With most issuers, the minimum payment is between 1 percent and 3 percent, so this is out of whack with reality. If your balance is $2,000, your minimum monthly payment is $100. You need to be aware of this so you don’t get in over your head fina...

- Team Beverly Harzog, Beverly Harzog

Details


Interest Rates
Regular APR Interest Rate 20.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00 - $99.00
Balance Transfer Fee
Cash Advance Fee 8%

Minimum of $5 or 3% minimim of $10

Foreign Transaction Fee 3%

Minimum of $1

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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Critic Reviews


Compare Cards

A solid rewards credit card that can help consumers build credit

Compare Cards

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use. The card comes with a few unique features like the ability to pick your due date and customize your card image.

Read full review

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use. The card comes with a few unique features like the ability to pick your due date and customize your card image.

Read full review

Less

Money Crashers

A bit outside the box

from Money Crashers

Credit One Bank Cash Rewards is appropriate for applicants with less-than-perfect credit and a penchant for simple, straightforward credit card rewards programs. Unfortunately, it’s not the most generous cash back card out there, and its rather high fees are particularly problematic for cash ad...More

Credit One Bank Cash Rewards is appropriate for applicants with less-than-perfect credit and a penchant for simple, straightforward credit card rewards programs. Unfortunately, it’s not the most generous cash back card out there, and its rather high fees are particularly problematic for cash advance candidates and those with credit scores on the lower end of the acceptable range.

Read full review

Less

Wise Bread

The terms aren't great

from Wise Bread

This card is best for those who have poor to bad credit but don't want get a secured card that requires a security deposit. However, if your score is in at least the mid 600s, there is a chance you can qualify for a better unsecured credit card.

Read full review

This card is best for those who have poor to bad credit but don't want get a secured card that requires a security deposit. However, if your score is in at least the mid 600s, there is a chance you can qualify for a better unsecured credit card.

Read full review

Less

MyBankTracker

Good card to achieve a better credit rating

from MyBankTracker

The Credit One Bank Cash Back Rewards Platinum Visa might be one to consider if you want to build credit while earning some cash back rewards.

Read full review

The Credit One Bank Cash Back Rewards Platinum Visa might be one to consider if you want to build credit while earning some cash back rewards.

Read full review

Less

Beverly Harzog

A good cash back reward card

Beverly Harzog

The minimum payment due is 5 percent of your balance. With most issuers, the minimum payment is between 1 percent and 3 percent, so this is out of whack with reality. If your balance is $2,000, your minimum monthly payment is $100. You need to be aware of this so you don’t get in over your head financially with this card.

Read full review

The minimum payment due is 5 percent of your balance. With most issuers, the minimum payment is between 1 percent and 3 percent, so this is out of whack with reality. If your balance is $2,000, your minimum monthly payment is $100. You need to be aware of this so you don’t get in over your head financially with this card.

Read full review

Less

Compare Cards

Solid rewards credit card that can help consumers build credit

Compare Cards

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use.

Read full review

This is a good credit card with a simple cash back rewards program that can help you build credit with responsible use.

Read full review

Less

User Reviews


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