Credit One Credit Cards: Best and Latest Offers [September 2020]

Credit One credit cards provide valuable cashback benefits without huge annual fees. Find out which card suits you the best.
Last updated Sep 9, 2020 | By Ben Walker

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Credit One is a top U.S. credit card company that offers a varied selection of consumer credit cards. Choose from some of the best cashback cards and best no annual fee credit cards to help meet your financial goals.

If you’re interested in applying for a new Credit One credit card, here are some amazing options.

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Latest Credit One personal card offers

Credit One Bank Unsecured Visa for Rebuilding Credit

Credit One Bank Unsecured Visa for Rebuilding Credit

Special Offer

1% cash back on eligible purchases

Why We Like It

The Credit One Bank Unsecured Visa for Rebuilding Credit is an exceptional card for individuals looking to rebuild their credit history and earn rewards.

Cardholders will experience flexibility with this card by choosing their own payment date, monitoring their credit score online, and being automatically reviewed for credit increases.

After pre-qualification, earn 1% cash back on eligible purchases.

Credit Needed: Poor - Bad

Credit One Bank Unsecured Platinum Visa

Credit One Bank Unsecured Platinum Visa

Special Offer

Opportunities to increase your credit line

Why We Like It

The Credit One Bank Unsecured Platinum Credit Card is great for those who wish to build their credit score.

Cardholders are able to pick their own payment due date, monitor their credit score online, and connect to a mobile wallet.

Earn 1% cash back rewards on everyday purchases.
Credit Needed: Poor - Bad


What is Credit One?

In 1984, Credit One Bank started with 13 employees in San Rafael, California. As the company grew, it moved its headquarters to Las Vegas in 1998, which is where the company continues its growth more than 20 years later. By December 2005, Credit One had achieved 1 million active accounts. In April 2015, the company quintupled its goal of active accounts to reach 5 million.

Today, Credit One has more than 800 employees and offers multiple types of credit cards for its customers. Partnerships and sponsorships with NASCAR, the Vegas Golden Knights, and the Las Vegas Raiders have increased the popularity of Credit One credit cards in recent years. However, the benefits on every Credit One card are attractive enough.

Credit One’s sole focus is on providing high-quality unsecured credit card products, though it also offers secured cards.  To date, Credit One cardholders have earned more than $112 million in cashback rewards.

What are the different types of Credit One credit cards?

Credit One offers several different credit card options for you to choose from. These include cashback cards, secured credit cards, and no annual fee cards.

Credit One credit cards may come with many benefits, including:

  • Free credit score: Free online access to your Experian credit score and a summary of your credit report each month
  • Pre-qualify for cards: The option to pre-qualify for certain Credit One credit cards — see what offers are available without affecting your credit score
  • Zero fraud liability: Protection against unauthorized charges if your card is lost or stolen
  • Automatic credit line increase opportunities: Automatic account reviews, which may give you opportunities for potential credit line increases
  • Retail protection: Eligible items are covered within 90 days of purchase if they’re accidentally damaged or stolen
  • Mobile account access: Easy account access with the Credit One Bank mobile app to make payments, look at recent transactions, and change your account preferences
  • Monthly credit bureau reports: Credit One reports account activity to the three major credit bureaus each month, which can be useful if you're rebuilding your credit

Credit One cashback cards

Cashback cards are some of the best cards to use if you want straightforward and simple rewards. With these cards, you typically earn cash back on every purchase you make. In essence, every transaction you’d make with one of these cards would come at a discounted rate because you’re getting cash back each time.

If you browse through the selection of Credit One credit cards, you’ll see they all offer cashback rewards. The earnings rate may differ between each card, so take a look and see which cashback card might be better for you.

Credit One offers these cashback cards:

Credit One secured credit cards

Secured credit cards are best for individuals who want to rebuild their credit. You may have below-average credit for one reason or another, and this can prevent you from qualifying for certain credit card products or other lines of credit.

You don’t need the best credit score or stellar credit history to qualify for a secured credit card. These cards typically require a deposit or annual fee, though. However, this should be an easy cost to pay for an opportunity to rebuild your credit back and qualify for more products and services.

Credit One offers secured credit cards:

No annual fee Credit One cards

Some credit cards require cardholders to pay an annual fee each year for continued use of the card. This annual cost can reduce the overall value of your credit card because it offsets the value of any rewards you earn.

With a no annual fee card, there’s no annual cost to worry about. These cards are valuable because every reward you earn is profit for you. There’s no annual fee to offset your card’s value, which is a great benefit for any credit card.

Keep in mind, certain Credit One credit cards may or may not come with an annual fee. Whether you receive an annual fee on these cards depends on your creditworthiness. This means an applicant with bad credit or a poor credit score might qualify for a card with an annual fee, whereas one with an excellent credit score might qualify for a card without an annual fee. Additionally, some cards may waive the annual fee for the first year for cardmembers that meet certain credit requirements.

Credit One offers these no annual fee cards:

How does Credit One compare to other credit card companies?

Credit One is a fast-growing company in the credit card industry, but it faces plenty of competition from other credit card companies. Others like TD Bank, Bank of America, and Capital One are also growing within the same financial market. Let’s see how Credit One stacks up against its competitors.

Credit One vs. TD Bank

Both Credit One and TD Bank are credit card issuers, but TD Bank also offers traditional banking services like bank accounts and personal loans. However, Credit One does offer a wider range of credit card products than TD Bank.

Both companies partner with Visa to process their credit card transactions. Credit One also partners with American Express and Mastercard. Visa credit cards and Mastercard credit cards are typically accepted all over the world. American Express credit cards are widely accepted in the U.S., but they aren’t as globally accepted as Visa and Mastercard.

Overall, TD Bank employs more than 85,000 individuals, whereas Credit One has around 800 employees.

Credit One vs. Bank of America

Bank of America has hundreds of years of history, whereas Credit One was founded just a few decades ago. As such, Bank of America has had the opportunity to grow a lot more than Credit One. With more than 200,000 employees and a wide range of financial offerings, Bank of America is a much larger company.

Credit One has over 800 employees and offers credit cards as its sole product. Bank of America offers banking services, credit cards, loans, and investment opportunities. Bank of America credit cards and Credit One credit cards primarily use the Visa and Mastercard payments networks, so their cards are accepted worldwide.

Credit One vs. Capital One

Capital One issues credit cards like Credit One, but it also provides checking and savings accounts and auto loans. Overall, Capital One issues more credit cards than Credit One, which is most likely due to size differences between the two companies. Capital One has about 52,000 employees, and Credit One has about 800 employees.

Capital One credit cards use the Visa and Mastercard payments networks, which is the same as Credit One. These are the best payments options for credit cards because they’re accepted all over the world.

Which Credit One credit card should you choose?

To choose the best Credit One credit card for you, consider how the benefits of each card align with your personal spending habits and lifestyle. Which card would offer you the most value depending on your financial goals?

Credit One credit card benefits are mainly concentrated on earning cash back as you use them. So if you’re looking for a cashback credit card, Credit One has several options available. The type of cashback card you choose may depend on a few factors.

If you want a no annual fee card, pick from multiple card choices. Or if you need a card that offers rewards and helps you rebuild your credit, Credit One offers secured credit cards. A card like the Credit One Bank Platinum Visa for Rebuilding Credit is an ideal match for you if your credit isn’t as high as you’d like. You don’t need high credit to qualify, and you can earn 1% cash back on eligible purchases.

Credit One offers different types of credit cards to accommodate different financial situations. There’s something for everyone, so check out the available cards and find the right one for you.

FAQs about Credit One credit cards

Does Credit One offer good credit cards?

Credit One offers a variety of high-value credit cards that can help you reach your financial goals. The company’s focus is primarily on cashback rewards, so it’s easy to earn valuable cash back whenever you make purchases with a Credit One credit card. If you’re interested, Credit One also offers no annual fee cards and cards that can help you rebuild your credit.

Is it hard to get a credit card from Credit One?

Many Credit One credit cards likely require a good or excellent credit score to qualify, but you can also apply for other cards designed to help you rebuild your credit. These other cards don’t require a high credit score to qualify, which makes it easier to be approved and start working on your credit.

What is the maximum credit limit from Credit One?

Credit One doesn’t publicly report a maximum credit limit on its cards. If you have a Credit One credit card that’s meant for rebuilding your credit, these cards, called secure credit cards, typically have lower credit limits than other cards. Credit One may also offer credit limit increases over time if you use your card regularly and make monthly payments in full.

Is Credit One Bank legit?

Credit One Bank is a legitimate credit card company based out of Las Vegas. It has been in business since 1984 and has more than 5 million active accounts. Credit One issues credit cards that offer cashback rewards when you use them on purchases. If you don’t have a high credit score, Credit One also offers credit cards that can help you rebuild your credit.

Bottom line on the best Credit One credit card for your wallet

You’ve got several options if you’re interested in a new Credit One card, including cashback cards and no annual fee cards. Credit One also provides a few options if you need help rebuilding your credit.

Overall, Credit One offers a wide range of cards to choose from. To find the right card for you, look over our list of Credit One Bank cards to see which card can help with your financial needs. Consider your lifestyle and spending habits as you review each card.

Unsecured Credit for Poor or No Credit History

Credit One Bank Unsecured Platinum Visa

Credit One Bank Unsecured Platinum Visa

Credit One Bank Unsecured Platinum Visa

Benefits

  • 1% cash back on everday purchases
  • No security deposit required
  • Pick your own due date
  • Access monthly Experian credit score