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Bright Builder

Build Credit history with on-time payments¹

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Customized debt pay-off and budgeting plan

Smart Round-Ups

Round up everyday purchases and save effortlessly

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Rebuild your credit history with rent payments

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Multiple loan offers from partners in minutes

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Multiple offers of up to $750. All credit scores can apply

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credit-one-bank

Credit One Bank® Visa® Cash Back Rewards

Credit needed
Fair, Good
APR
23.99%
Annual Fee
$39

Card Summary

Credit One Bank Visa Cash back Rewards is for those with good credit. It offers a $300 initial credit line.

The annual fee is $39 The cardholder is eligible for 1% cashback on gas, grocery and select telecom services.

Benefits include zero dollar fraud coverage and free Experian credit score access.

Card Summary - Cons

Rates and fees

Issuer Name
Credit One Bank
Penalty APR
N/A
Credit Needed
Fair, Good
Balance Transfer Fee
N/A
Annual Fee
$39
Cash Advance Fee
$5/8% or greater
APR
23.99%
Foreign Transaction Fee
You can choose to pay 3% of the total amount or $1.00 depending on which is higher.

Highlights

You can get 1% cashback on gas, grocery, and mobile phone purchases. These terms and conditions apply. You can rest assured with $0 fraud liability.

Access your Experian Credit Score online for free. Terms apply.

You can choose when you want to pay your bill. Terms apply.

Credit One Bank's mobile app allows you to access your account wherever you are with ease.

You will never miss an account update via email and text alerts.

Comparative Analysis with Other Cards

Credit One Bank Visa Cash Back Rewards vs. Chase Freedom Unlimited

Annual Fee: The Credit One Bank Visa cash back rewards requires a $39 fee. Chase Freedom Unlimited cards don't have an annual fee.

Reward: Credit One Bank Visa cash Back Rewards cardholders get 1% cashback on eligible gas, grocery and select telecommunication purchases. Chase Freedom Unlimited cards earn 5% cashback on purchases made through Chase Ultimate Rewards. They also get 3% cashback on purchases at restaurants and drugstores. All other purchases receive 1.5% cashback.

Sign up bonus: Credit One Bank Visa cash back rewards does not offer an introductory bonus. New cardholders of the Chase Freedom Unlimited card receive a $200 bonus after they spend $500 in their first three months.

Benefits: The Credit One Bank Visa cash back rewards will provide you with zero dollar fraud coverage as well as free Experian credit score access. Benefits of the Chase Freedom Unlimited card include zero liability protection, purchase coverage and extended warranty protection.

Credit One Bank Visa Cash Back Rewards vs. Citi Double Cash Card

Annual fee: Credit One Bank Visa cash back rewards cardholders must pay $39 annually. Annual fee for Citi Double Cash Card – 18 Month BT Offer: There is no annual fee.

Reward: The Credit One Bank Visa cash Back rewards will give you 1% cashback on certain gas, grocery and telecommunications purchases. Citi Double Cash Card – 18-month BT Offer Holders earn 1% cashback on all purchases and an additional 1% when they are paid off.

Sign up bonus: No card provides a sign up bonus.

Benefits: Credit One Bank Visa cash back rewards includes zero dollar fraud coverage and Experian credit score access. Citi Double Cash Card – 18 Month BT Offer Holders have access to exclusive entertainment tickets, identity theft support, and concierge service.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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