Credit One Bank Visa offers cash back for purchases. The company also has a selection of cards for people with bad credit or low credit scores.
Credit One has been around since 1984 and offers more than 5,000,000 active credit cards. They have a range of cards that include those without an annual fee, as well as ones aimed specifically at specific categories such a travel and shopping.
It is important to remember a few factors when deciding on a card. These include the card's terms and conditions, how long it takes to get a grace period and whether you have to pay interest on new purchases.
The grace period refers to how long you have to pay before the card begins charging interest. Call Customer Service to find out if you have a grace period on your card. It's not always obvious from the agreement.
A grace period on purchases is different for each card. In general, you won't be charged interest on your new purchases until your next billing date. Some cards do not have this feature, and charge interest as soon as your purchases are posted to your account.
You can also set a different due date each month, but you'll need to call and speak with Customer Service to set this up. If you select this option, you will be able to pick a date six days either before or after your original due date.
Cash advance fees are another important factor to consider. Cash advance fees can vary widely between cards. Some have no or low fees, while others are higher. Moreover, some cards charge foreign transaction charges, which can increase international purchase costs.
Credit One Bank Platinum X5 Visa may be worth considering if you are looking for a credit card with no annual fee, but a good rewards program. This card has a very attractive rewards structure and a low annual fee, but you must be sure that your spending habits will qualify for the bonus cash back rate offered by this card.
It is best to check out Credit One's website first and see if you are pre-approved for a card before you apply. Credit One's website will show you all the conditions and terms of the card if you have been pre-approved.
The best credit one credit card is the Credit One Bank Platinum Visa for Rebuilding Credit, which is designed specifically for those with poor to fair credit. It offers a low-limit credit and allows for periodic review of your credit limit.
The card comes with a welcome bonus worth 10,000 points if you spend $1,000 on eligible purchases during the first 90-days of card opening. You can exchange these points for travel vouchers, gift cards, or statement credit.