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Credit One Bank® Unsecured Visa® with Cash Back Rewards

Credit needed
Good
APR
17.99% to 23.99%
Annual Fee
$0 - $99

Card Summary

Customers with poor credit are eligible for the Credit One Bank Unsecured Visa With Cash Back Rewards.

Prequalification is free so that you know if your application will be accepted before you submit it with hard credit checks.

Eligible purchases, such as gas, grocery, and telecom services, are eligible for a 1% cashback.

Your cardholder agreement may require you to pay an annual fee between $0 and $99.

Benefits include access to FICO credit scores and liability for zero dollars fraud.

Card Summary - Cons

Rates and fees

Issuer Name
Credit One Bank
Penalty APR
N/A
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$0 - $99
Cash Advance Fee
You can choose to pay $5, or 8% depending on the transaction amount.
APR
17.99% to 23.99%
Foreign Transaction Fee
You can choose to pay $1, or 3% for each purchase made in U.S. Dollars.
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Here’s a smart way to pay off

Credit One Bank

The Best Features

Cash back rewards: Credit One Bank Visa with Cashback Rewards cardholders receive 1% cash back for eligible gasoline, grocery, and telecom purchases. This includes internet, satellite TV, and cable services.
Prequalification is easy: Simply check if your prequalification for Credit One Bank Unsecured Credit Visa with Cashback Rewards applies to your credit score. Credit One Bank automatically reviews your account to determine if you are eligible for credit line increase.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual Fee: Some cardholders may not have to pay an annual fee for the Credit One Bank Unsecured MasterCard with Cash Back Rewards. Others could be charged $0 – $99 depending on their cardmember agreement.
Card fees: The cardholder is subject to either a 3% foreign transaction fee or $1. Late or returned payments can result in a card fee of up to $39.
Credit One Bank Unsecured Visa With Cash Back Rewards Cardholders have a high interest rate. The APR is 17.99% to 23.99% variable.

Highlights

You can check if your Pre-Qualify status in just 60 seconds. This will not affect credit scores. It is fast, simple, and completely secure.

You can get 1% cashback rewards for eligible purchases, including gasoline, groceries and services like mobile phone, internet and cable TV. These terms and conditions apply.

It is an unsecured, fully functioning credit card. This card does not include a debit or prepaid card. Credit One Bank reviews every account to determine if there are credit line increases. As soon as possible, we will let you know if you are eligible for a greater credit limit.

Access your Experian credit score summary and free online credit access are available. This will allow you to track key credit factors that affect your credit health. These terms and conditions apply.

You are protected against fraud if you lose or steal your credit card. You won't be responsible for any unauthorized charges.

CreditOneBank.com and the Credit One Bank Mobile App allow you to access your account from any device, including a smartphone or tablet. All you need to do is click a button and make payment, view recent transactions, or update your preferences.

Choose from more than 20 card designs available in Credit One Bank’s card gallery to create a card that brings you joy. There may be a fee.

Benefits

Comparative Analysis with Other Cards

Credit One Bank Unsecured Visa With Cash Back Rewards vs. Indigo Platinum Mastercard:

Annual Fee: This fee is determined by your agreement with Credit One Bank Unsecured visa with Cash Back Rewards. It ranges from $0 to $99 depending on the cardmember. Depending on credit score and credit history, Indigo Platinum Mastercard cardholders may have to pay an annual fee.

Reward: Get 1% Cashback on gas, groceries and telecommunications purchases with the Credit One Bank Unsecured MasterCard with Cash Back Rewards. There is no rewards program for the Indigo Platinum Mastercard.

Sign up bonus: Neither credit card offers a sign-up bonus.

Benefits: Credit One Bank Visa Unsecured Visa With Cash Back Rewards cardholders get free FICO credit score access and zero dollar fraud liability coverage. Benefits of the Indigo Platinum Mastercard include an extended warranty, MasterRental and travel assistance.

Credit One Bank Unsecured Credit Card with Cash Back Rewards vs. Capital One Secured Credit Card:

Annual Fee: The Credit One Bank Unsecured Credit Visa with Cashback Rewards has a $0 to $99 annual fee depending on the cardmember agreement. The Capital One Platinum Secured Credit Card does not have an annual fee. However, you will need to deposit a $49, $99, or $200 refundable security deposit.

Reward: The Credit One Bank Unsecured MasterCard with Cash Back Rewards will give you 1% cashback on gas, groceries, and telecom purchases. Capital One Platinum Secured Credit Card does not offer any rewards programs.

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

Benefits: Credit One Bank's Unsecured Visa with cash Back rewards card includes free FICO credit score access, zero dollar fraud liability coverage and no FICO credit score restrictions. Capital One Platinum Secured credit card cardholders have access to travel and purchase protection benefits, which include fraud protection and Mastercard identity theft protection.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Credit One Bank