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Holly D. Johnson
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
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Credit One Bank is a technology-driven financial services company that is based in Las Vegas, Nevada. Founded in 1984, Credit One has grown from humble beginnings to become a prominent credit card issuer. However, unlike major players in the credit card industry such as Chase and American Express, Credit One Bank focuses most of its efforts on curating card options for consumers with limited credit histories, poor credit or fair credit.
If you’re in the market for a credit card and you’re considering options from Credit One Bank, you should know that some cards from this issuer are geared to specific types of customers. The following table includes the best Credit One card options to consider:
| Card name | Credit score required | Annual fee | Best for |
| *Credit One Bank® Platinum Visa® for Rebuilding Credit | Rebuilding | $75 first year, then $99 annually ($8.25 per month) | Bad credit |
| Credit One Bank American Express® Card | Fair to Good | $39 | Fair credit |
| Credit One Bank® Platinum Rewards Visa with No Annual Fee | Average to Excellent | $0 | No annual fee |
| Credit One Bank® Platinum Rewards Visa | Fair to Good | $95 | Rewards |
| *Credit One Bank® NASCAR® Credit Card | Fair to Excellent | $39 to $99 | NASCAR fans |
Benefits and drawbacks: The Credit One Bank® Platinum Visa® for Rebuilding Credit might be a good option for you if you want an unsecured credit card to rebuild credit, but your score is in poor shape.
Cardholder benefits include a free look at your Experian credit score on your monthly statement, access to a mobile app and the ability to pick your payment due date. Your annual fee will be $75 first year, then $99 annually ($8.25 per month), but you’ll be able to use your card to prove yourself and rebuild your credit score over time.
Benefits and drawbacks :The Credit One Bank American Express Card is geared to consumers with fair or good credit, which typically means any FICO score between 580 and 669.
You’ll pay an annual fee of $39 for this card, but you get the benefit of being approved and earning 1 percent cash back on all your purchases, as well as the opportunity to improve your credit score through responsible credit use.
Cardholder benefits you can receive include retail protection against damage or theft, a free look at your Experian credit score each month, travel accident insurance and access to a mobile app. You also get the chance to apply Amex Offers to your credit card, which often include special discounts or the chance to earn more points when you shop with a participating retailer.
Benefits and drawbacks :The Credit One Bank Platinum Rewards Visa with No Annual Fee is a solid option to consider if you anticipate spending a lot within the 2 percent back categories and have good or excellent credit. You won’t have to pay for the privilege of carrying this card, and you can also qualify for benefits like free access to the mobile app, your Experian credit score and personalized notifications that help you track spending and monitor your bill.
One detail to note about this card is you earn 2 percent back on eligible purchases but won’t earn rewards on all your regular non-bonus spending. For that reason, this card shouldn’t be your first option if you hoped to earn rewards on every dollar you spend.
Benefits and drawbacks: The Credit One Bank Platinum Rewards Visa is the best rewards card option from Credit One Bank. Not only do you earn 5 percent cash back on the first $5,000 in eligible bonus category purchases each year (then 1 percent), but you also earn 1 percent back on everything else you buy.
A $95 annual fee applies, but you get a free look at your Experian credit score and access to the Credit One mobile banking app.
Like other Credit One Bank credit cards, you can prequalify online without a card inquiry on your credit report.
Benefits and drawbacks :The Credit One Bank® NASCAR® Credit Card is ideal for NASCAR enthusiasts who spend a lot on NASCAR shops. This card lets you earn 2 percent cash back on NASCAR apparel and collectibles purchased directly, but you’ll also earn 1 percent back on eligible gas and automotive purchases.
You may be able to avoid paying a high annual fee if you have good or excellent credit, but you could be stuck paying up to $99 per year if your credit is poor. Then again, this card does make it possible to get approved with imperfect credit, which is more than we can say for many of the top rewards credit cards on the market today.
Credit One Bank offers quite a few ways to get in contact, whether over the phone or through the mail. To see all online contact options, read through the customer service page.
General correspondence with the bank should be sent to this address:
Credit One Bank
Las Vegas, NV 89193-8873
To contact Credit One Bank about a pending application, you should reach out using the following contact number: 1-800-752-5493
With Credit One Bank, you may start out with a smaller credit line than you’d prefer. However, you have the chance to change your limit over time. According to Credit One Bank, they’ll review your account regularly to see if you can qualify for a higher credit limit based on your usage.
Generally speaking, you can qualify for a higher credit limit by keeping your credit utilization on the lower side and paying your credit card bill early or on time each month.
Like other major credit card issuers, Credit One Bank reports your credit history to all three credit bureaus—Experian, Equifax and TransUnion. This gives you the chance to prove your creditworthiness and boost your credit score over time.
*The information about Credit One Bank® Platinum Visa® for Rebuilding Credit and Credit One Bank® NASCAR® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Arrow Right Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
