Best Credit One Bank® Credit Cards for 2024

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Credit One Bank Credit Cards

Credit One Bank is a trusted provider of credit cards for all types of consumers. However, those with bad or limited credit may find the options available through Credit One particularly valuable. 

All Credit One Bank members receive fraud protection and free credit monitoring — making it easy to track your progress over time.

There are several excellent options among Credit One’s credit card selection — however, there are a few that stand out above the rest. Here’s which cards made the cut.

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Best Credit One Bank Credit Cards in June, 2024

Credit One Bank
Credit One Bank® Platinum Rewards Visa

Credit One Bank® Platinum Rewards Visa With No Annual Fee

Best for: Cashback rewards and free credit monitoring
Welcome bonus: none
Annual fee: none
Suggested credit score: Excellent/Good

Our take: The Credit One Bank Platinum Rewards Visa offers card members up to 10% cashback at specific merchants and 2% cashback in some of the most popular spending categories. This version of the Platinum Rewards Visa card offers no annual fee and $0 liability if any fraudulent activity occurs on your account.
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Credit One Bank

Credit One Bank® Platinum X5 Visa®

Best for: Building credit, cashback
Welcome bonus: none
Annual fee: $39
Suggested credit score: Limited/Fair/Good

Our take: Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases. Terms apply.
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Credit One Bank
Credit One Bank® Platinum Visa for Rebuilding Credit

Credit One Bank® Platinum Visa for Rebuilding Credit

Best for: Building credit from scratch
Welcome bonus: none
Annual fee: $75 or $99
Suggested credit score: Bad

Our take: The Credit One Bank Platinum Visa for Rebuilding Credit is an excellent choice for consumers with no credit histories whatsoever. This card doesn’t require a security deposit and has an easy prequalification process without impacting your credit score.
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Credit One Bank
Credit One Bank® Platinum Rewards Visa

Credit One Bank® Platinum Rewards Visa

Best for: Everyday cashback rewards
Welcome bonus: none
Annual fee: $95
Suggested credit score: Good/Fair

Our take: The Credit One Bank Platinum Rewards Visa is our top pick for those looking for a way to build credit with an everyday rewards card. This card carries a $95 annual fee and comes with features such as potential credit limit increases and free credit monitoring through Experian.
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Not sure which credit card is right for you?

No worries, we've got you covered! Compare multiple credit card options to choose the best card for your needs.

Is Credit One Bank legit?

Yes, Credit One Bank is a legitimate financial institution offering several well-known credit cards used by over 10 million people. Their credit cards are secure and come with fraud protection to protect their card members. Credit One Bank was established in 1984 and specializes in credit cards for consumers with limited credit histories.

Is Credit One Bank a good credit card?

Credit One Bank offers several great options for consumers with limited, bad, or no credit histories. Credit One’s credit card selection includes cashback reward cards and cards without annual fees (be sure to review the fine print as some do have modest yearly charges). 

Where is Credit One Bank located?

Credit One Bank has its headquarters in the United States in Las Vegas, Nevada. Credit One Bank functions primarily online to offer its services to consumers across the country.

Does Credit One Bank give credit limit increases?

Yes, Credit One Bank awards periodic credit line increases to responsible users. That means keeping your balance relatively low compared to your credit limit and paying your bill on time. If you do these two things, you will increase the likelihood of receiving a credit limit boost. 

Can you have two Credit One Bank credit cards?

Yes, Credit One allows card members to have more than one card. If you use your card responsibly, they might automatically prequalify you for additional cards so you can gain access to more features and benefits. 

How to activate Credit One card

Credit One requires all new customers to activate their credit card by phone versus online. This is to confirm your identity and ensure your security. To activate your new card, call the customer service number located on the back of your card. You won’t be able to use your card until you call and activate it. 

What credit score do you need for a Credit One Bank card?

Credit One invites consumers of all credit levels to apply for their cards. However, they specialize in lending to those with limited or bad credit — so if you know your credit needs some work, Credit One likely has several card options for you to consider. Additionally, their credit cards are unsecured, meaning no deposit is required to get started.

Is Credit One good for building credit?

It can be challenging to rebuild your credit after a financial setback. If you fell on hard times and missed a few payments on a credit card or loan, your credit score likely took a hit. Fortunately, Credit One offers several credit cards for consumers in these situations, such as the cards listed above. 

Before applying for any credit card, make sure you are in a healthy financial place and can afford your monthly payments. Otherwise, you could end up worse off from where you started. 

If you’re financially stable and are looking for a safe, secure, and convenient way to start rebuilding your credit, Credit One Bank has several solid options for you to consider. 

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EDITORIAL DISCLOSURE: The content and reviews on are prepared by our in-house staff. We strive to provide accurate and up-to-date information, but we cannot guarantee the reliability of all credit card details. To review the specific terms and conditions for a particular credit card, please click on the "Compare Credit Cards" links, which will redirect you to the card issuer's website. It is important to carefully review all the information provided by the issuer before making any decisions.