5% cash back in everyday categories for people with fair credit.
Rates, fees and offers
- Regular APR
- 28.74% variable
- Annual fee
- $120
- Promo offers
- Annual fee billed as $10 a month.
- Balance transfer fee
- See issuer terms
- Rewards
- 5% cash back on gas, groceries, and internet, cable, phone and streaming (up to a yearly cap); 1% everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The $120 yearly fee (billed monthly) and a 28.74% APR make this expensive. A no-fee secured card is often a cheaper way to build credit.
Paying and contacting Credit One Bank
- Pay by mail
-
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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