Credit One Bank Review

Is Credit One Bank the right choice for you?

Over 7 million credit card customers in the U.S. currently use a Credit One Bank credit card. Headquartered in Las Vegas, Credit One Bank has specialized in credit card products for over 30 years. Credit One Bank does not operate any brick-and-mortar locations. Credit card payments can be sent through the bank’s website or by mail.

Keep reading for a review of Credit One Bank’s products and services to decide if this bank is right for you.

Credit One Bank Review

Unlike traditional banks, Credit One Bank only specializes in credit card products, so it does not offer standard checking and savings account options. One of the main benefits of being a Credit One Bank customer is having access to the convenient Credit One Bank app, which is available for iOS and Android. Additional benefits include:

  • Cash back on up to 1 percent of purchases
  • Rewards posted to your account each month automatically
  • Credit score tracking
  • Automated account alerts
  • Layered protection that includes: zero fraud liability, EMV chip technology and 24/7 monitoring of accounts
  • Apple Pay technology
  • Customizable card designs and payment dates
  • Visa credit card benefits
  • Travel accident and auto rental collision insurance

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Credit One Bank Credit Card Products

Credit One Bank offers three credit cards. Keep reading to see which one is right for you.

Credit One Bank Official NASCAR Visa

This credit card — created specifically for NASCAR fans — provides all rewards and perks offered by Credit One Bank, including 1 percent cash back on eligible purchases, NASCAR discounts and double cash back at the NASCAR.com Superstore.

Credit One Bank Platinum Visa Card for Rebuilding Credit

This Credit One Bank Visa credit card is designed for individuals with poor credit looking for a reward-style credit card. The card does not require the customer to put down a security deposit. The primary differences between this card and other Credit One Bank credit cards are:

  • 1 percent cash back on eligible purchases only
  • No cash back at the NASCAR.com Superstore
  • No exclusive NASCAR offers and discounts

Credit One Bank Cash Back Rewards Visa

The Credit One Bank Cash Back Rewards Visa might be the right card for individuals seeking maximum cash back rewards. This Credit One Bank card differs from other Credit One cards in that it offers:

  • 1 percent cash back on all purchases
  • No cash back at the NASCAR.com Superstore
  • No exclusive NASCAR offers and discounts

How to Apply for a Credit One Bank Credit Card

Credit One Bank applications are sent out in mailers, or you can see if you pre-qualify for a new credit card on the bank’s website.

Credit One Bank Credit Card Fees

The fees charged to cardholders will vary depending on your individual credit range as follows:

  • Excellent credit: Cardholders with excellent credit will have a $0 annual fee, 17.24% to 25.24% variable APR, double cash back at the NASCAR.com Superstore and 1 percent cash back on eligible purchases.
  • Average credit: Cardholders with average credit will be charged a $39 annual fee, 25.24% variable APR, 1 percent cash back on gas and automotive supplies and double cash back at the NASCAR.com Superstore.
  • Rebuilding credit: Cardholders with below-average credit will be charged a $75-$99 annual fee, 25.15% variable APR, 1 percent cash back on gas and automotive supplies and double cash back at the NASCAR.com Superstore.

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