Credit One Credit Cards: What You Need to Know

Credit One offers a wide variety of cards for consumers who are in the lower credit ranges and are trying to build up their credit score. If you are not really acquainted with who Credit One Bank is and what they represent and if you are wondering what their card offers are and if it’s best for you, you’ll find this information very useful.Credit One Credit Cards: What You Need to Know

Credit One Platinum Rewards Visa with No Annual Fee

This card from Capital One comes with a no annual fee charge. Thus it’s one of the best options on this list. If you are a customer with average credit, then you’ll find this card a decent choice for earning rewards while building credit. The card offers 2% cashback on several shopping categories without having to pay an annual fee. However, you do not earn any cashback outside of its limited earning categories.

Score required: Excellent/Good

Rewards: cardholders get more value from regular expenses with 2% cash back rewards on eligible gas and grocery purchases and mobile phone, internet, cable and satellite TV services.

Minimum credit line: $300

APR: 23.99% Variable

Annual Fee: $0

 

Credit One Bank® Platinum Visa® with Cash Back Rewards

If you want a card with no annual fee, then you’ll have that in the Credit One Bank® Platinum Visa® with Cash Back Rewards. The card also offers a good cashback program that makes up for an annual fee. Cardholders earn 5% cashback on their first $5,000 in purchases each year from a variety of categories including groceries. When you spend at least $5,000 on groceries in a year which is $250 in cashback, you reach the earning cap. You’ll also earn 1% cashback on other purchases. The card also has a higher minimum credit line of $500 which makes it a good card for someone who has an average credit.

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Score required: Average to Excellent

Rewards: 5% cash back on first $5,000 of gas, grocery, mobile phone, internet, cable and satellite TV purchases each year; 1% cash back on all other purchases

Minimum credit line: $500

APR: 17.99% – 23.99% Variable

Annual Fee: No annual Fee

 

Credit One Platinum Visa

Charging an annual fee of $99, the Credit One Platinum Visa includes a lesser rewards program. With this card you only earn 1% cash back on a limited list of categories. Be it as it may, this card is not a terrible option for someone who is trying to build a credit history. Where you can’t qualify for any other Credit One card listed above, you can consider this card.

Score required:  Average

Rewards: 1% cash back on eligible purchases: gas, grocery stores, mobile phone services, internet, cable and satellite TV.

Minimum credit line: $300

APR: 17.99% – 23.99% Variable

Annual fee: $99

 

Credit One Bank American Express Card

The Credit One Bank American Express Card comes with an annual fee charge of $39. However, it offers a higher starting credit limit of $500, unlimited 1% cashback, and most notably: travel benefits and purchase protection from American Express. However, you’ll have to contend with slightly more limited merchant acceptance because it’s an Amex card. On the bright side, you’ll be covered with travel and shopping benefits including a 90-day coverage against theft and damage on eligible terms.

Score required: Average to Excellent

Rewards: Unlimited 1% cash back

Minimum credit limit: $500

APR: 23.99% Variable

Annual Fee: $39

 

Credit One Bank® NASCAR® Visa® Credit Card

The Credit One Bank® NASCAR® Visa® credit card is one of the card from Credit One. It is geared towards accommodating consumers who are trying to rebuild their credit. This card charges an annual fee of $0 to $99 and offers two different rewards schemes based on your credit history. With either program you’ll earn 2% cash back on NASCAR purchases. With this card, you also have exclusive deals, discounts and special experiences for NASCAR. Thus, if you are a NASCAR lover this card could be a good medium of building your credit score.

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Score required: Rebuilding to Excellent

Rewards (one of two programs): 1% cash back on eligible gas and automotive purchases +2% cash from the NASCAR shop.

Minimum credit line: $300 minimum credit line (reduced by annual fee which you are granted. E.g. if you have a $95 annual fee, your credit line will be about $205)

APR: 17.99% to 23.99% Variable

Annual Fee: $0-$95 intro fee, thereafter $0-$99 annual fee (billed monthly for some accounts)

 

Vegas Golden Knights Credit Card

The Vegas Golden Knights credit card is targeted at Vegas Golden Knights fans. This card charges an annual fee of $0-$99. Even though the card does include special deals and discounts for Golden Knights fans, it does not offer a cashback bonus on Golden Knights purchases. Rather you’ll be offered one of several rewards programs.

Score required: Rebuilding to Excellent

Rewards (one of several rewards programs):

  • 0% cashback rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases; or
  • 0% cashback rewards on eligible gas, groceries, dining, mobile phone service, internet service, and cable and satellite TV services purchases; or
  • 0: cash back rewards on eligible purchases; or
  • 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service and cable and satellite TV services purchases: or
  • 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases for the first $5,000 per year, and then 1.0% thereafter. Plus 1.0% cashback rewards on all other purchases.
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Minimum credit line: $300 minimum credit line (reduced by annual fee that you are granted. E.g. If you have a $95 annual fee, your credit line willing about $205)

APR: 17.99% – 23.99% Variable

Annual fee: $0-$95 intro fee, thereafter $0-$99 annual fee (billed monthly for some accounts)

 

Credit One Card Benefits

  • Cash back rewards
  • No security deposit needed
  • Free credit score
  • Reports to major credit bureaus
  • Credit line increases
  • Pre-qualify online
  • Zero fraud liability
  • You are at liberty to choose your payment due date
  • More rewards program.

 

Frequently Asked Questions

Is Credit One a good credit card?

Credit One cards can be a good option for consumers who are looking for an unsecured credit card to build credit when the card is used carefully and responsibly.

How often does Credit One give increases?

Credit One does not specify how often they give increases, however they do review your account on a regular basis for credit line increases.

What is the maximum credit line for Credit One?

The maximum credit line differs depending on the cardholder’s credit history. You get an initial credit limit of at least $300 to $500.

Does Credit One help your credit score?

Credit One reports to all three major credit bureaus, thus if you use your card responsibly it can help improve your credit score.

 

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