Credit One Bank® Unsecured Visa® with Free Credit Score Tracking review

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Claire Dickey @ClaireDickey  in  Bad Credit How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Bad to Fair (300 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Credit One Bank's secure website

Best for credit score tracking

Annual Fee:
$0 - $99
Purchase Intro APR:
N/A
Regular APR:
19.74% -25.74% Variable
Terms and Restrictions Apply

Credit One Bank® Unsecured Visa®: Details and benefits

With the Credit One Bank® Unsecured Visa®, a bad credit score doesn’t mean you’re exiled from earning rewards — you’ll earn a flat 1 percent cash back on eligible purchases.

The Unsecured Visa charges an annual fee between $0 to $99, depending on your credit score range. Unfortunately, some accounts will be billed the annual fee in 12 equal portion-split each month, whereas others will receive one annual bill in the full amount. In order to prevent any surprises that may put your account in delinquency, make sure to budget for a $99 annual fee payment at the end of your first year.

Responsible card usage will benefit you thanks to regular account reviewing for credit line increases. If you qualify, Credit One Bank will notify you.

The card also offers free access to your Experian credit score and credit report summary through your online account (terms apply).

With the card’s zero fraud liability protection, you won’t be held responsible should your information be compromised and any unauthorized charges be made. You’ll also receive free Credit One Fraud Alerts messages should the issuer suspect any fraudulent activity in your account.

Advantages

  • This card offers 1 percent cash back on eligible purchases
  • View your Experian credit score and credit report summary online (terms apply)
  • Your account is regularly reviewed for credit line increases
  • Zero Fraud Liability
  • No deposit required

Disadvantages

  • No welcome bonus
  • Annual fee of $0 to $99
  • Foreign transaction fee of either $1 or 3 percent of each purchase in U.S. dollars, whichever is greater

Is the Credit One Bank® Unsecured Visa® worth it for you?

The Credit One Bank Unsecured Visa is made for those with not-so-great credit looking to improve their credit score and increase their credit line.

If you value payment flexibility, you’ll enjoy the ability to choose your payment due date. After your initial billing period, you can select a new due date at least six days before or after your original due date, effective once the new due date appears on your statement.

You’ll also receive benefits like 24/7 roadside and travel assistance, purchase protection, extended warranty coverage and a rental car collision damage waiver.

Get the most value from the Credit One Bank® Unsecured Visa®

According to the Credit One Bank site, there are four potential Cash Back Rewards programs that you can qualify for based on your creditworthiness. You’ll be notified of which program you’re eligible for after submitting a pre-qualification request and confirmation of card offer qualification.

The potential cash back programs are as follows:

  • 0 percent cash back rewards on eligible gas, groceries, mobile phone service, internet service and cable and satellite TV service
  • 0 percent Cash Back Rewards on eligible Gas, Groceries, Dining Purchases, Mobile Phone Service, Internet Service, and Cable & Satellite TV Services
  • 1 percent Cash Back Rewards on eligible Dining Purchases and 1.0 percent Cash Back Rewards on other eligible Purchases
  • 0 percent Cash Back Rewards on eligible Purchases

How to redeem rewards

You’ll automatically receive your cash back rewards in the form of statement credit. Keep in mind you won’t earn rewards on cash advances or fees or while your account is delinquent.