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Credit One Bank® Visa® for Rebuilding Credit

Ongoing APR
17.99% to 23.99% Variable
Setup Fee
N/A*
Reports to Major Credit Bureaus?
Yes
4.5
Expert Rating: 4.50 / 5 stars

Credit One Bank® Visa® for Rebuilding Credit Summary

  • Rates & Fees

  • Looking to rebuild credit? We report to the major credit bureaus monthly

  • With $0 Fraud Liability, you won't be responsible for unauthorized charges

  • Automatic reviews for credit line increase opportunities

  • 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.

  • 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 unsecured card requires no deposit and can help build your credit

  • Choose your monthly payment due date for added convenience, terms apply

Creditnet's Full Review

If you have bad credit and are looking for an unsecured credit card that doesn't require you to have cash up front in order to open your account, the Credit One Bank® Visa® for Rebuilding Credit is a worthy option to consider.  As with any credit card for bad credit, there will be annual fees and the credit card terms will not be great, but remember that the purpose of this card is to allow the opportunity to build positive payment history on your credit reports once again.  

The Credit One Bank® Visa® for Rebuilding Credit for bad credit includes the following perks:

  • Future credit line increases may be granted based on your overall credit performance
  • Monthly Updates to All Major Credit Bureaus
  • Extra Buying Power and $0 Fraud Liability
  • Travel Accident Insurance and Auto Rental Collision Damage Waiver

Other helpful features include:

  • Pick your payment due date to fit your schedule
  • Choose your card design from Credit One's premium gallery
  • Email or text alerts to remind you when your payment is due

 

Creditnet's Expert Rating & Review

by on November 4, 2020

4.5
Expert Rating: 4.50 / 5 stars
Favorite Card Features:

This card reports to all three major credit bureaus, so consumers can improve their credit scores while building their credit profile with responsible usage.  The annual fee is also tiered from $0-$99, depending upon your credit level.

 

Least Favorite Features:

No introductory 0% APR period or rewards program, but that really shouldn't be expected for a bad credit credit card.

 

Our Final Take:

If you have bad credit and want an unsecured credit card in order to begin rebuilding your credit scores, the Credit One Bank® Visa® for Rebuilding Credit may be the perfect for you. It's a no-frills unsecured credit card for bad credit, but if you use it responsibly it could quickly lead to improved credit scores and even better credit card offers down the line.

 

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.

Purchase Rates
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
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: 23.99% Variable
Advance Fee: Either $5 or 8% of the amount of each transaction, whichever is greater.
Miscellaneous
Other Rates
Foreign
Transaction Fee:
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
Min. Interest Charge: N/A
Credit Line
Min: 300
Max: N/A
Penalty Fees
Late Payment:
Up to $39
Over the Credit Limit: N/A
Returned Payment: Up to $39

User Reviews

Distribution chart

Average user reviews

Based on 1 review

Overall
4
Customer Service
4
Reward Redemption
4
Accuracy of Statements
5

Credit One Bank- Be careful and don't go over your limit!

Anonymous's picture
This user has written 0 reviews
0 people helped
Overall:
4
Average: 4 (1 vote)
Customer Service:
4
Reward Redemption:
4
Accuracy of Statements:
5

Card Purpose:

Individual
Anonymous Would recommend to a friend.
Helpful to 0 out of 0 people
Reviewed on: Wed, 2014-07-30 10:51
This seems to be a great card for starting over. However, I mistakenly went over my limit. Although my payment wasn't due yet, they called me at work! Very embarrassing to say the least. Paid it off, and will be extremely careful from here on out.
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