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Credit One Bank® Unsecured Visa® with Cash Back Rewards — Review [2023]

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"Perfect solution for those who need to build credit but want to explore how cash-back programs work."

Alex Miller

- Updated: May 9, 2023, 2:38am CDT

The information regarding the Credit One Bank® Unsecured Visa® with Cash Back Rewards was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Credit One Unsecured Cash-Back Card — Snapshot

Welcome Bonus & Info (Partner Content)
- See if you Pre-Qualify in less than 60 seconds – without affecting your credit score. It’s fast, easy, and secure.
- 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 is a fully functional, unsecured credit card – not a debit card, prepaid card, or secured credit card with deposit requirements.
- Credit One Bank evaluates every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for a higher credit line.
- 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.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
- Access your account easily from your computer, smartphone, or tablet at CreditOneBank.com or the Credit One Bank Mobile App. You can make payments, see recent transactions, and update your account preferences all at the click of a button.
- Carry a card that makes you smile by choosing from over 20 unique card designs in Credit One Bank’s card gallery. A fee may apply.
- See Rates & Fees
Card Categories:
- Credit Card Reviews
- Best Cash Back Credit Cards

Credit One Unsecured Cash-Back Card — Fees

Foreign Transaction Fees
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
Interest Rates
- 17.99% - 23.99% variable
Cash Advance APR
- 23.99% Variable
- Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater, or $10 or 5% of each Cash Advance, whichever is greater.
Additional Info
Rates & Fees

Featured Image Credit: Credit One Bank

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned tens of millions of travel points and miles, mainly through maximizing every opportunity to earn the most points possible on each dollar spent.