The annual fee for this card is based on your credit and will be $0 to $99 the first year and $0 to $99 thereafter. Account history is reported to the three major credit bureaus in the U.S. With responsible credit card usage, you could boost your credit line, which can help improve your credit score. Credit One Credit Cards Credit One Bank, N.A., simply referred to as Credit One Bank, is a U.S.-based bank specializing in credit cards. Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements. E.g., if you have a $95 annual fee, your credit line will be about $205), Annual fee: $0-$95 intro fee, after that $0-$99 annual fee (billed monthly for some accounts). Set Up Online Account Access Step 2 | Credit One Bank Link Title Further, there are also no rewards programs with the First Premier cards. Credit One Bank is a popular credit card issuer that services millions of cardholders in the United States. Terms apply. They are a great option for rebuilding or starting to build your credit. I will be paying off the balance on this card and plan to close it out. Their cards offer various features, such as zero fraud liability, automatic alerts, automatic reviews for more credit, and free credit tracking, but have low credit limits ($300 to $500). With either program, you'll earn 2% cash back on NASCAR purchases. If you're a NASCAR fan, it could be a good way to build your credit score. Terms apply. Make a payment on a Credit One Bank credit card by scheduling a payment online, mailing in the payment coupon that accompanied the bill or using MoneyGram or Western Union. If you use your Credit One card responsibly, it can help you build your credit score. You'll have to contend with slightly more limited merchant acceptance, since it's an Amex card. If you're a consumer in the lower credit ranges trying to build up your credit score, you may have come across an online offer from Credit One bank. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Card Security Code is either a 3-digit number located on the back of your Credit One Bank Mastercard or Visa card, or a 4-digit number located on the front of your Credit One Bank American Express card. This means that you may be charged interest from the very … With this card, you can see if you prequalify without a hard inquiry and you can choose a custom design for the card. In fact, the annual fee of $36 is one of the lowest you’ll find if you have poor credit. Founded as a full-service bank in 1984, Credit One now focuses on unsecured credit card products. What can kill... What are the little-known ways to raise your credit score? Your first-year annual fee will be deducted from your initial credit line. The terms can be a little confusing, so we take a look at the cards' cashback rewards, APRs and fees to help you decide if Credit One is right for you. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Credit One was founded in California in 1984 and offered a full suite of banking products until 1995, when it began focusing on credit cards. - Syndie from Colorado. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. In fact, the APR of 36% is among the highest APRs you’ll find with any credit card on the market. As long as you notify Credit One immediately of unauthorized charges, you aren't responsible for paying those charges. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites. The APR and the annual fee or the Milestone Gold Mastercard also vary. Yes, Credit One bank is a legitimate bank located in Las Vegas. Prequalify for a card today and it will not impact your credit score, Protection from fraud if your card is stolen. In addition, you call the Las Vega main office at 1-877 825-3242 and you get the Philippines. You then receive a credit card with a credit limit equal to your security deposit. Although the Merrick Bank Secured Visa® from Merrick Bank is a secured card, it comes out slightly ahead of the others simply because there is no complicated fee structure. Web page addresses and e-mail addresses turn into links automatically. Credit One reviews your account on a regular basis. Here are the different types of cards that Credit One Bank offers, and how they stack up against their competitors. Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. It offers a better cashback rate on U.S. supermarket purchases. Like the other cards, you can choose the card design you prefer, and you get card benefits like $0 fraud liability and various online management tools for keeping track of your account. Unfortunately, you don't earn any cash back outside of its limited earning categories. None of the cards above require a security deposit, which means you can start building credit without having to plunk down a large dollar amount (though you may have to pay an annual fee). One of the differences between the Milestone Card and the Credit One Bank Cards is it includes MasterCard Gold card benefits. The annual fee is determined by your credit report and like the other Credit One Bank credit cards will be $0 to $99 the first year and $0 to $99 thereafter. Credit One Credit Card is usually designed for borrowers whose credit scores are below the standard. How... What is the fastest and most reliable way to establish credit? While the Credit One Bank® Unsecured Visa® for Rebuilding Credit isn’t the highest-interest card around, its APR range can get up there, and the worse your credit is, the more you’ll pay in interest. The bank is held by Credit One Financial, a bank holding company registered in Nevada. Fortunately, if you do get the card with the $50 account opening fee, your annual fee for the first year is the lowest at $50 and then $99 each year afterwards. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation.