Credit One Bank Cash Back Rewards Visa review

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Advertiser Disclosure

Interest Rate: Purchases
19.74% ‐ 25.74%
Balance Transfer
-
Rewards
1% cashback
Signup Bonus
-


6.7/10
Informr score
The Credit One Bank Cash Back Rewards Visa currently has an Informr score of 6.7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Credit One Bank Cash Back Rewards Visa 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...


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
Compare Cards

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

- Compare Cards Team, Compare Cards

Details


Interest Rates
Regular APR Interest Rate 19.74% ‐ 25.74%

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

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 25.74%

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

Rates & Fees
Annual Fee $99.00

Annual rate varies from $0 to $75 on the first year then $0 to $99 thereafter.

Balance Transfer Fee
Cash Advance Fee 8%

Minimum of $5 or 3% minimim of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

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

$19 annually

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
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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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.

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Critic Reviews


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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