Credit One Credit Cards – What You Need to Know

With Credit One, you will be able to get a wide range of credit cards as a customer seeking to build credit. The key principle key to look up to for a good credit card is what will determine if the Credit One is right for you. And there are the Cashback Rewards, APRs, and Fees.

Are you are in the class of lower credit earners trying to build up your credit score? You must have come across the offer from Credit One Bank, right? It is normal not to trust them at the very first hint but not until you are done with the key principal tools we have set out to give Credit One meaning. You should go ahead after this and compare cards and make better decisions.

Credit One Credit Cards - What You Need to Know

Let’s look at some credit cards offered by Credit One Bank with respect to their cashback reward, APRs, and Fees

Credit One Platinum Rewards Visa with No Annual Fee

What do you expect? Let’s get started.

This credit card is the only card that comes from Credit One with No Annual Fee attached to it and as such, it is one of the best options you can choose from if you operate in a class of lower credit range. However, as an average credit consumer, it is normal to chose of earning rewards while building credit. This is because you earn 2% cashback on several shopping categories without having to pay an annual fee. But outside its limited earning categories, you cannot earn any cashback. Having better-than-average credit gives you a height as you can find better cash back credit cards.

Terms and conditions

The score needed: Average to Excellent

Rewards: 2% cash back on eligible purchases such as gas, grocery stores, mobile phone services, internet, cable, and satellite TV.

Minimum Credit Line: $300

APR: 23.99% variable

Annual fee: No Annual Fee

  • Credit One Bank® Platinum Visa® with Cash Back Rewards

What do you expect? Let’s get started

The Credit One Bank® Platinum Visa® with Cash Back Rewards initially comes with a zero dollar Annual fee for the first year and then sets off with a $99 annual fee. Furthermore, there is also a good cash back rewards program that can easily make up for the annual fee. Spending $5,000 in the first purchase will earn you 5% cashback each year from a variety of categories such as groceries. Assuming you did spend $5,000 on groceries in a year, you should be aiming at getting $250 in cash back before you hit the earnings cap. Moreover, you will earn 1% cashback on other purchases on top of that. Seeing the minimum credit line is $500, it entails that someone with average credit can comfortably go for this.

Now as someone with an Excellent credit and as well interested in the idea of grocery rewards, you should check out for the Blue Cash Preferred® Card from American Express. This is because it offers a good and better cashback rate on U.S supermarket purchases.

Terms and conditions

The score needed: Average to Excellent

Rewards: Offers 5% cashback on first $5,000 purchases on gas, grocery, mobile phone, internet, cable and satellite TV each year; and 1% cashback on all other purchases

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Minimum credit line: $500

APR: 17.99% – 23.99% Variable

Annual fee: Zero dollars intro annual fee for the first year and then comes with $99 afterward.

  • Credit One Platinum Visa

What do you expect? Let’s get started

This credit card has an annual fee of $99 with a lesser rewards program compared to the above credit cards. It offers 1% cashback on a limited list of categories such as gas, grocery stores, mobile phone services, internet, cable, and satellite Tv. it is not totally a bad option for anyone trying to build a credit score. However, if you really can’t qualify for those above cards, this a good option to check out for.

Terms and conditions

The score needed: Considerably for Average

Rewards: this offers 1% cash back on eligible purchases which include gas, grocery stores, mobile phone services, internet, cable and satellite TV

Minimum credit line: $300

APR: 17.99% – 23.99% Variable

Annual fee: $99

  • Credit One Bank American Express Card

What do you expect? Let’s get started

The Credit One Bank American Express Card offers a higher starting limit of $500 and an annual fee charge of $39 and unlimited 1% cash cashback mostly remarkably as travel benefits and purchase protections from American Express. Moreover, you are limited to the merchant’s acceptance because it is an Amex card but you are covered in the field of traveling and shopping benefits. You can as well get 90-day coverage against theft and damage on eligible items.

Terms and conditions

The score needed: Average to Excellent

Rewards: Offers Unlimited 1% cashback

Minimum credit line: $500

APR: 23.99% variable

Annual fee: $39

  • Credit One NASCAR Visa

What do you expect? Let’s get started

The credit One NASCAR Visa is a card targeted to consumers trying to rebuild their credit. However, this charges an annual fee of zero to $99 and two different rewards schemes depending on your credit history. It has a program that earns you 2% cashback on NASCAR purchases.  You get to experience discounts and exclusive deals with special experiences for NASCAR.

Terms and conditions

The score needed: Exceptionally for those Rebuilding to Excellent

Rewards:

It offers you 1% cash back on eligible purchases such as gas and automotive purchases + 2% cash from the NASCAR Shop.

Minimum credit line: $300 minimum credit line approximately reduced by the annual fee that you are granted.

APR: 17.99% – 23.99% Variable

Annual fee: From zero dollars to $99 intro fee and afterward billed monthly for some accounts.

  • Credit One Bank® Unsecured Platinum Visa® for Rebuilding Credit

What do you expect? Let’s get started

This is also targeted to consumers who are trying to rebuild credit. However, the Credit One Bank® Unsecured Platinum Visa® for Rebuilding Credit offers different several rewards programs depending on your credit score and annual charge of up to $99. The cash rate ranges as high as 5% on certain purchases or as low as 1% on limited categories. You ought to study the terms and conditions because the annual fees can vary considerably.

From the list of cards so far, you will discover that Credit One allows you to choose the card that you prequalify with no hard pull to your credit.

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Terms and conditions

The score needed: Rebuilding

Rewards (one of several rewards programs):

  1. this card offers 1.0% cash back rewards on eligible purchase such as gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases; or
  2. 0% cash back rewards on eligible gas, groceries, dining, mobile phone service, internet service, and cable and satellite TV services purchases; or
  3. 0% cash back rewards on eligible purchases; or
  4. 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases; or
  5. 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases for the first $5,000 per year, and then 1.0% thereafter. Plus 1.0% cash back rewards on all other purchases.

Minimum credit line: $300 minimum credit line reduced by annual fee that you are granted.

APR: 19.49% – 25.49% Variable

Annual fee: $0-$95 intro fee, after that some accounts are billed monthly for $0-$99 while some are for an annual fee.

  • Vegas Golden Knights Credit Card

What do you expect? Let’s get started

This card is targeted at Vegas Golden Knights fans. It has similar features with the NASCAR Visa card which charges an annual fee of $0-$99.  It includes special deals and discounts for Golden Knights fans but it does not offer a cashback on Golden Knights Purchases. In replace of that, you may be offered one of several rewards programs, exactly the way Credit One Bank® Unsecured Platinum Visa® for Rebuilding Credit does.

Terms and conditions

Score needed: Card on rebuild process to excellent

Rewards (one of several rewards programs):

  1. 0% cash back rewards on eligible gas, groceries, dining, mobile phone service, internet service, and cable and satellite TV services purchases; or
  2. Offers 1.0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases; or
  3. 0% cash back rewards on eligible purchases; or
  4. 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases; or
  5. 0% cash back rewards on eligible gas, groceries, mobile phone service, internet service, and cable and satellite TV services purchases for the first $5,000 per year, and then 1.0% thereafter. Plus 1.0% cash back rewards on all other purchases.

Minimum credit line: $300 minimum credit line reduced by the annual fee that you are granted.

APR: 17.99% – 23.99% Variable

Annual fee: $0-$95 intro fee, after that $0-$99 annual fee (billed monthly for some accounts)

Credit One card benefits

  • Availability of Cashback rewards
  • It requires no security deposit. This means that you are an advantage to start building credit without having to plunk down a large amount aside from paying for an annual fee.
  • You can sign for a Free credit score service.
  • The Credit One Reports to major credit bureaus, making legitimate and as well help you build a credit history.
  • Credit line increases
  • It does not sober you to any card that will add a hard pull to your credit.
  • It ensures zero fraud liability.

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