Credit One Bank® Platinum Visa® With Cash Back Rewards
Consumer Reviews, Credit Score and Income Needed, Credit Limits
30 Reviews
Consumer Rating:
Apply Here
4
Lowest:
0
0
Average Score:
562
562
Highest:
674
674
Credit One is one of the largest issuer of credit cards in the "bad credit' space. Folks who have written reviews here have been approved with an average credit score of 600. Credit One requires that you have a bank account as well and have an income.
Card Details 
Card DetailsAnnual Fee: $0,$35 or $75 for the first year, then $99 from second year onwards
APR: 19.99% to 25.99% *Variable Rate
Grace Period: 0 to 24 days
Free Credit Score - Credit One provides a form of free credit score which many card members think is provided by Experian.
Cash Back Program Cash Back ProgramCredit One is one of the few issuers that have a cash back program.
- 1% cash back on gas, groceries, mobile phone service, internet service, and cable & satellite TV service, or
- 1.1% cash back on dining purchases and 1% on all other purchases, or
- 1% cash back on all purchases
Pros and Cons Pros and ConsPros
- Reasonable fees, No application or monthly maintenance fees
- Cash back program
- Has mobile app - Apple Pay and Samsung Pay
- Free credit score
- Track record of credit line increases
Cons
- Grace Period ranges from 0 to 24 days
Our Take Our TakeCredit One has reasonable fees and unlike many other sub prime cards, they do not charge application or monthly fees. They are one of the rare issuers that have a cash back program, an app and a track record of credit line increases. If you are a rebuilder and looking for an unsecured credit card, then you should consider this card.
FAQS 
What credit score do you need for Credit One?
What credit score do you need for Credit One?
The average credit score that card holder who reviewed the card on this page is 600.
How do I apply for a Credit One Bank credit card?
How do I apply for a Credit One Bank credit card?
You can apply online from the links provided on this page. First, you have to find out if you pre-qualify (this involves a soft pull and has no impact on your credit score). If you are are pre-qualified, then you can proceed to apply. Getting pre-qualified is no guarantee that you will be approved though.
If you have gotten a pre-approved credit card offer in the mail, you can also apply from the links on this page. Just select the appropriate links from Credit One's website.
If you have gotten a pre-approved credit card offer in the mail, you can also apply from the links on this page. Just select the appropriate links from Credit One's website.
When will my annual fee be billed?
When will my annual fee be billed?
Your annual fee will be billed during the first billing statement.
How do I access my free online credit score?
How do I access my free online credit score?
You simply have to sign into your account and click the 'Credit Score' in the menu. Then you just have to agree to the terms and conditions.
How do I pay my Credit One bills?
How do I pay my Credit One bills?
There are various way to pay your bills.
- Online Payment - There are two methods (Standard Payment and Express Payments)
- Via Check over mail
- Via MoneyGram and Western Union
What is the difference between Express Pay and Standard Pay?
What is the difference between Express Pay and Standard Pay?
Firstly, both Express and Standard payments are online payments.
Express Payments - You can make Express Payments with both a Debit/ATM card or from a Bank Account. If you use a Debit/ATM card, funds will be available within the next day is payment is made by 2pm PST (Sunday to Friday). If payment is made by 2pm PST on Saturday, funds are available in 2 days.
If you use a Bank Account for Express Payment, the first $100 will clear the next day. The funds for the balance of payment will only be available within 7 days.
There is a fee of $9.95 for Express Payment.
Standard Payment - Standard Payment has no fee. But funds will only be available in 7 days.
Express Payments - You can make Express Payments with both a Debit/ATM card or from a Bank Account. If you use a Debit/ATM card, funds will be available within the next day is payment is made by 2pm PST (Sunday to Friday). If payment is made by 2pm PST on Saturday, funds are available in 2 days.
If you use a Bank Account for Express Payment, the first $100 will clear the next day. The funds for the balance of payment will only be available within 7 days.
There is a fee of $9.95 for Express Payment.
Standard Payment - Standard Payment has no fee. But funds will only be available in 7 days.
What do I need to pay via MoneyGram?
What do I need to pay via MoneyGram?
You will need your 16 digit Credit One credit card number and the 4-digit receive code which is 1430.
What do I need to pay via Western Union?
What do I need to pay via Western Union?
You need your 16 digit Credit One card number and the "code city" and "code state". The code city is CREDITONEBANK and the code state is NV.
Does Credit One give credit line increases?
Does Credit One give credit line increases?
Yes, they do. They automatically review accounts for credit line increases. You can also request a credit line increase from your online account.
Can I change my payment due date?
Can I change my payment due date?
Yes, you can. Just log into your account and go to 'Settings' in the menu. Locate 'Payment Due Date' and make the changes.
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