An unsecured card for rebuilding credit, though its fees are higher than many alternatives.
Rates, fees and offers
- Regular APR
- 25.49%–29.74% variable
- Annual fee
- $75
- Promo offers
- None currently advertised
- Balance transfer fee
- Not available
- Rewards
- Some versions earn 1% cash back on eligible purchases.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Fees vary by offer: this version is $75 the first year, then $99 a year billed monthly. Credit One also offers a no-annual-fee version to some applicants. Compare with no-fee options like secured cards before paying an annual fee to build credit.
Paying and contacting Credit One Bank
- Pay by mail
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The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Credit One Bank cards → · Search all cards
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