The Ultimate Guide to Credit Cards
Tuesday, January 21, 2020

Credit One Bank® Visa® with Free Credit Score Tracking

► 2020 Review, Application & Rates

Toby Sembower
"Though the APR and fees on this card seem high, they are actually quite good compared to other bad-credit oriented credit cards."
- Toby Sembower,
Credit One Bank® Visa® with Free Credit Score Tracking Review

at Credit One'ssecure website





  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Access your account easily from your computer, smartphone, or tablet at or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
  • Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
19.49% to 25.49% Variable
$0 - $99
Poor Credit

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

Bad Credit
(Ranked #12 out of 16)
Best Overall
(Ranked #27 out of 59)
Toby Sembower