Mar 25 2020

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Credit one bank free credit score

Credit One Reviews: Credit One® Bank Credit Card (+ 5 Top Alternatives)

Whenever my old roommate and I would take a trip together, we would clash over the best way to pick a restaurant. While she was all in favor of just randomly choosing — she felt they all had an equal shot of being good — I was more of the do-a-little-research mentality. After all, if they have an equal chance to be good, they have an equal chance to suck, too.

When it comes to the subprime credit card market, borrowers may be inclined to use my roommate’s method to select a new card. If they’re all going to have the same high rates and fees, why bother researching?

While many cards geared toward those with bad credit will have similar downsides, they all have their own qualifications and perks that may make one a better fit than another. One example is the Credit One Bank Visa credit card, which stands apart from some of the competition by offering cash back rewards.

Applying for a Credit One Credit Card

Applying for a Credit One card is done in two stages, with the first differing only by delivery method. To start, users go through a pre-qualification process to make sure they meet the minimum requirements for the card. The pre-qualification process does not affect your credit and can be completed through the link below.

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • • See if you Pre-Qualify without harming your credit score
  • • Track your progress with free online access to your Experian credit score, terms apply
  • • Looking to rebuild credit? We report to the major credit bureaus monthly
  • • Receive opportunities for credit line increases, a fee may apply
  • • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • • Stay in-the-know with customizable account alerts via email and text
  • • Receive 1% cash back rewards on eligible purchases, terms apply
  • • See official site, terms, and details »

If you’ve already received a pre-approval letter in the mail, you can skip this initial step by entering the approval code on your letter here.

Once pre-qualified, you will fill out a full credit application and agree to an official credit check. In most cases, responses take only a few minutes, but may take longer under some circumstances.

The Best Reasons to Get a Credit One Card

Credit One Bank credit cards are designed specifically for subprime applicants, so the best reason to get one is to rebuild your bad credit. Responsible use, including limited purchasing and full, on-time payment every month, can help rebuild credit, as Credit One will report to all three credit agencies.

The Credit One Bank Visa is also an unsecured card, so you won’t need to put down a deposit in order to receive credit. Additionally, the Credit One Bank Visa offers 1% cash back on all of your purchases. This is an unusual perk for a subprime card, as most geared toward bad credit users don’t offer any rewards.

Considerations for the Credit One Bank Card

Because the Credit One Bank Visa is geared toward subprime borrowers, it will be easier to qualify for with bad credit than some other cards. However, this also means the terms are not going to be great. Expect to see a relatively high APR, especially if your credit score is particularly low.

You may also want to consider making multiple payments throughout the statement cycle, as, unlike most prime credit cards, Credit One starts charging interest as soon as you make a purchase. Keep in mind you can only make four payments per statement cycle.

Future Credit One Bank headquarters, Las Vegas, Nevada. Photo credits:

You’ll also see your first annual fee as soon as you activate the card, with the amount dependent on your individual offer. After the first year, the annual fee will be charged to your card in monthly installments, so keep an eye out and pay them promptly.

5 Alternative Credit Card Options for Bad Credit

While the Credit One card is a solid contender in the subprime credit card market, it isn’t the only option. Here are our expert’s top five picks for credit cards for those with bad credit.


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