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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

See Rates and Fees

Credit One Bank® Unsecured Visa® with Cash Back Rewards

  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Free Online Credit Score and Credit Report summary, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Regular APRAnnual FeeCredit Needed
29.74% Variable$0 - $99Bad, Fair or Good Credit

Offer Details

Acceptance Criteria
Credit Needed
Bad, Fair or Good Credit
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
29.74% Variable
Fees And Charges
Balance Transfer Fee
N/A
Annual Fee
$0 - $99
Rewards
Reward Type
cash back

188 Product Reviews

Ali
Credit
1 week ago

I need to build my credit

KB
Worst company ever
2 weeks ago

Currently working to report them for harassment. If you are one day late on a payment they will call you every hour every day until paid. I paid my bill in full every time and still got calls I was late don’t use this company

Tracy Kelley
Cool
1 month ago

Nice

carmen l gianpetro
loan sharks
2 months ago

I've had better feedback and empathy from bookies and mob guys in my neighborhood than these bums.! WHY? have you got these thieves on your recommendations, they just take, no give. to make a payment over the phone costs an additional 4.50. They are the worst, please help me settle with them so i can get away.

CreditWatcher
RUN WHILE YOU CAN!!!
4 months ago

Down During One Of The Transactions (Not Aware During The Process) So My Payment Didn’t Go Through, Not Even 2 Weeks Later They’re Trying To Repeatedly Charge My Card For Over $350 (My Credit Limit Was $200), When I Went To Close The Account I Was Then Put In Collections For Over $700 Which Is Insane!!!! Stay AWAY!!!

CreditWatcher
RUN AWAY WHILE YOU CAN!!!
4 months ago

I’d Give The Customer Service - 0 Stars If I Could !!! I Had The Card For Under 3 Months, Was Making Payments On Time & It Seemed Legit, CreditOne System Was D

Tracey
Use it or lose it
5 months ago

I paid additional money for a pink card, was saving this card for emergency purposes. When the emergency came I found out they closed my line of credit because I didn’t use the card in a certain amount of time. Which dropped my debit to ratio and then no card when I needed it!!! And they did not refund my $35 for the pretty pink card I ordered. NEVER AGAIN! You don’t get to tell me when I can spend my money

Tina Stillwell
Credit
7 months ago

Trying to get my credit back up

James G
Get it together
8 months ago

Had horrible credit and no cards. Cap one gave me a 300$ credit line. Since I stay on point and actually read and apply the tips to improve my credit. In a year I'm out of poor credit and we'll into fair territory. In fact I'm just a short stop from breaking the good credit threshold. They helped me help myself. Remember it's on the person not the company to pay attention and work on their credit.

Austin
Extremely poor customer service
9 months ago

Absolutely terrible customer service. Insane! Sent ID, SS card, Bank statement, Paycheck stub, and W2 to verify myself, and they wanted a 3rd party utility bill to verify my identity?!? How in the world does a utility bill in someone elses name verify my identity? But yet they sent a check for my refund to the my address that they said they couldnt verify. Certifiably Insane!

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.