Credit One Bank® Unsecured Visa® for Rebuilding Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit Summary
See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
Know you're protected from unauthorized charges with Zero Fraud Liability-included with every Credit One Bank account
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.
Give your credit a boost with credit line increase opportunities, a fee may apply.
Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
Customize your card by selecting a unique design from Credit One Bank's card gallery. There are more than 20 options to choose from. A fee may apply.
Creditnet's Full Review
The Credit One Bank® Unsecured Visa® for Rebuilding Credit is one of the only unsecured credit cards on the market for people with bad credit that also offers a rewards program (1% cash back on gas and grocery). Use the card wisely, and you can improve your credit without having to make a security deposit with the credit issuer.
If you're worried about the effects a denial could possibly have on your credit score, take less than a minute on Credit One's website to see if you're pre-qualified (your credit won't be hurt by the pre-qualification process). Just a little personal information will be enough to see the credit card offers available to you, and then you'll only be applying for those cards for which you pre-qualify!
Here are more important details about the Credit One Bank® Unsecured Visa® for Rebuilding Credit:
Responsible use of this card can help improve your credit. Your usage and payment history will be reported to all the major credit bureaus on a monthly basis, so responsible use of this card will have a positive effect on your credit.
It's a Visa Platinum card. Use this card around the world wherever Visa is accepted and enjoy platinum-level benefits such as travel accident insurance and car rental insurance.
Automatic reviews to increase your credit line. If your initial limit is lower than $1,500, don't worry because your account will be reviewed often for credit line increases, and if you make your first 6 payments on time, you can get a credit line increase
You're not held liable for fraudulent charges. If someone uses your card without your permission, you're not responsible for paying any of those fraudulent charges. Simply call Credit One and let them know of the fraudulent activity and those charges will be taken off your statement immediately.
No enrollment fees. You may be used to paying enrollment or signup fees for other bad credit credit cards, but Credit One doesn't charge you anything to enroll.
No over limit fees. Part of responsible use of credit is staying within your credit limit, but if you happen to make a mistake and charge above your limit, you won't be charged any over the limit fees.
Choose your own card design. Credit One has a premium gallery of designs for you to choose from so your card is as creative or distinguished as you want it to be.
Annual fee. The annual fee is $0-99, depending upon creditworthiness.
Creditnet's Expert Rating & Review
by Elisabeth Chan on August 14, 2020
While this card doesn't require a security deposit as collateral, credit limits of up to $1,500 are offered. Monthly payment history is also reported to all the major credit bureaus, which means consumers with bad credit can utilize the Credit One Bank® Unsecured Visa® for Rebuilding Credit as a tool to gain access to credit once again, use it responsibly, and rebuild their credit history.
Least Favorite Features:
The annual fee ranges from $0-99; however, higher fees are to be expected with a credit card for bad credit. Remember, this card is meant to be used as a stepping stone to build positive payment history, improve your credit scores, and then eventually upgrade to a new credit card with lower fees and a better rewards program.
Our Final Take:
If you need to rebuild your credit and prefer taking the unsecured credit card route, the Credit One Bank® Unsecured Visa® Credit Card is one of the best options on the market. Keep your balances low, pay your bills in full and on time, and you should see improvement in your credit while using this card.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | N/A | Credit Required: | bad |
| Intro Period: | N/A | Set Up Fee | N/A* |
| Ongoing APR: | 17.99% to 23.99% Variable | Annual Fee | $0-99 |
| Penalty APR: | N/A |
| Intro APR✝: | N/A |
| Intro Period: | N/A |
| Ongoing APR: | N/A |
| Transfer Fee: | N/A |
User Reviews
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Average user reviews
Based on 3 reviews
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