| Rewards | 1% cash back on eligible purchases |
|---|---|
| Signup Bonus | None. |
| Annual Fee | Usually $0 – $39, though some cards charge $75–$99 per year depending on the product and credit profile. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.40% – 31.99% variable |
| Cash Advance Fee | $5–$10 or 5%–8% of the amount, whichever is greater |
| Late Payment Fee | Up to $39. |
| Purchases APR | About 24.40% – 29.99% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
Credit One credit cards are best known for being accessible to people with fair or rebuilding credit. Many versions offer simple cash-back rewards (often around 1%) and some come with low or moderate annual fees, though they typically don’t include big signup bonuses or premium perks.
Most users say the easier approval process is the main reason they apply. Many reviewers mentioned that the card can help build or rebuild credit history, and some appreciate getting basic cash back on everyday purchases. The mobile app and credit-score tracking features also get occasional praise.
On the flip side, many reviewers mention annual fees, high interest rates, and extra charges as common downsides. Some users also complain about confusing fees or customer service experiences, and others feel the rewards are too limited compared with mainstream cash-back cards.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
I
Solid Starter Card Experience
I like the helpful alerts and clear spending categories. The approval process was fast, and account tools make tracking easy. A great step toward stronger credit.
I
Solid Starter Card Experience
I like the helpful alerts and clear spending categories. The approval process was fast, and account tools make tracking easy. A great step toward stronger credit.
K
Been good for what it is for
I have had the card for about 6 months now. I knew the initial fee and the annual fee and the interest rate and agreed to all. The sums are high, but then this is a card for establishing or increasing your credit score. It is not really designed for everyday use although I am sure they love to see it.
I have had no problems. I have not needed to contact CS so I cannot comment on that but I have not had any surprises and have paid my bills on-time while carrying about an 80% balance to my $350 limit. They have reported promptly to the credit bureaus.
I think for my above stated purpose, this card is fine. Within a couple of more months, my credit score should be up enough to get a real card and dump this one, but I have been glad to have it.
