Credit One Bank® Unsecured Visa® with Free Credit Score Access
Pay over time APR
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Pay over time APR
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.
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
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
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.
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.
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:
If you value payment flexibility, you’ll enjoy the ability to choose your payment due date with the Credit One Bank Unsecured Visa. 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.
The information about the Credit One Bank® Unsecured Visa® with Free Credit Score Access has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.