Credit One Bank® Unsecured Visa® Credit Card
Credit One Bank® Unsecured Visa® Credit Card Summary
Get Pre-Qualified without harming your credit score
1% cash back on gas & groceries, terms apply
This is a fully unsecured credit card with no deposit requirement
Pick your payment due date to fit your schedule
Automatic reviews for credit line increase opportunities
Creditnet's Full Review
The Credit One Bank® Unsecured Visa® Credit Card 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; 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® Credit Card:
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 Joshua Heckathorn on March 29, 2016
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® Credit Card 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 fair credit 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:||fair|
|Intro Period:||N/A||Set Up Fee||N/A*|
|Ongoing APR:||15.65% -24.15% (Variable)*||Annual Fee||$0-99|
Average user reviews
Based on 3 reviews
Starting Fresh 2016
There are better cards out there for people trying to build their credit
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