credit-one-bank

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.

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.

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.

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.

2026 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

Each individual’s credit situation is unique and influenced by a variety of factors. The way these factors interact and impact a person’s credit score may vary. Bright Capital, Inc. strives to provide accurate and up-to-date information. However, we cannot guarantee the completeness and correctness of the content provided. This page is intended for informational purposes only and does not constitute financial or legal advice, nor does it imply an endorsement of any third-party products or services. All products and services are presented without warranty. Bright Capital, Inc. does not offer financial, legal, or tax advice. We strongly recommend consulting with your own financial, legal, or tax advisors for guidance specific to your situation.

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

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

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

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

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

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

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources