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Credit One® Visa® with Credit Line Increase Reviews

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Credit One® Visa® with Credit Line Increase Reviews’ Key APRs & Fees

  • ANNUAL FEE $0 - $99
  • REGULAR RATE 15.65% - 24.15% (V)
  • GRACE PERIOD 24 days

Credit One® Visa® with Credit Line Increase Reviews’ Rewards

Base Earn
Max Earn
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.

Credit One® Visa® with Credit Line Increase Reviews’ Highlights

  • Pick your payment due date to fit your schedule.
  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Grace Period: 0 or 24 Days (see terms)

Credit One® Visa® with Credit Line Increase Reviews’ Additional Info

  • MAX LATE FEE   $37
    3% or $1.00, whichever is greater
  • SMART CHIP   Yes, chip-and-signature
    17.90% - 24.15% (V)
    $5.00/8% or $10.00/3%, whichever is greater (see terms)
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at Credit One Bank’s
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Customer Questions and Answers

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What is the amount that a person is usually approved for on a credit card with bad credit to start

Photo of Card H.
Nov 5, 2013
It depends on the type of card you wish to get, the company that issues it, and your overall credit standing. Most secured credit cards require a refundable security deposit of at least $200 that will serve as your credit line. So for example, if you place a $300 deposit, your credit limit will also be $300. With an unsecured credit card for bad credit, like the Credit One Bank Credit Card, the credit line that you will ultimately get approved for is hard to predict. Credit One will make that determination based on your income, debts, and the exact nature of your credit history.
17 Votes 20 3

Can I use card in Spain without a PIN?

Photo of Card H.
Dec 4, 2015
Yes and No. You should be able to use your card basically everywhere that takes plastic, with the exception of automated payment machines, such as the kiosks in train stations and self-serve gas pumps, which only accept chip-and-pin cards. The fact that this card uses chip and signature security is not the main reason why you should question bringing it abroad, however. It charges a 3% foreign transaction fee on any purchase that is processed outside of the United States, which could significantly inflate the cost of your trip.

You should still make sure to have a credit card when traveling, though, both for security and because credit cards charge far more
6 Votes 8 2

What Credit score do I need to be APPROVED for this card???

Photo of Card H.
Mar 25, 2015
You can get this card if your credit score is in the 300 - 619 range, but it will depend on the particulars of your credit history and your disposable income. If you want to guarantee getting a new card, check out secured credit cards.
4 Votes 15 11
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Customer Reviews

Share your insights and review the Credit One® Visa® with Credit Line Increase Reviews.

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3.1 out of 5

3,484 reviews
Photo of Card H.
Feb 4, 2016
The Credit One Platinum Visa Card is one of the best options for a very particular type of person: someone with bad credit who needs what amounts to an emergency loan. If, for example, you need credit to cover the cost of vehicle repairs or unexpected medical expenses, rather than for the primary purpose of credit building, then paying $35 to $75 in first-year fees for an initial credit line of $300 to $500 might very well be the best deal you’re going to find. The ability to earn 1% cash back on gas and groceries sure doesn’t hurt, either.

Just keep in mind that this card charges interest at a more
Photo of Teej E.
Feb 5, 2016
This credit card provider finds a way to charge you for almost every activity, from an annual fee (broken down into 12 monthly payments), to charging you for an earned credit limit increase. If you choose a designer card, there is a charge. When making a payment there is such a long processing time that unless you make your payment 7-10 days before your due date, it will be a late payment which will incur charges/penalties. Alternately, they offer a quick posting method that your charged for if you haven't allowed enough lead time for your payment to process and post by the due date. If they up your credit more
Photo of Bruce M.
Jan 29, 2016
Just don't get this card! Hidden fees, interest on purchases I didn't make, this is more like what you would expect from a loan shark than a credit card company! I had balance transferred to another card and that REALLY pissed them off, hitting me with cancellation fees of $74! I was held hostage and they refused to cancel the card until I paid it! Please stay away from credit one
Photo of Cat C.
Jan 27, 2016
I paid the minimum on my CreditOne card ON TIME but they still added extra fees for the hell of it and claimed that I'm $17 over my limit!! If they want extra money in order for one not to be over the limit, they should simply say so instead of ripping off the customers with minimum payments! I HATE this card and once I've paid it off, I'm cancelling and going with another bank or even a secured card instead!
Photo of Annamarie K.
Jan 23, 2016
I just got off of the phone with one of Credit One Bank's customer service reps. (I would've emailed them but that is not an option on their antiquated site.) I've had my card for nearly two years, have never missed a payment or been late. Not once, not ever. Despite my credit score of 722, I still am charged an annual fee, have a high interest rate, and a very low credit limit. I've been a loyal customer and have other cards with much lower rates, no annual fee and high credit limits. This card offers no perks / rewards to boot. The customer service rep I spoke to more
Photo of Kelli P.
Jan 4, 2016
This isn't the worst of the low credit score cards I've had, but it definitely is not a quality card by any means. If I wasn't trying to rebuild my credit, I wouldn't even bother keeping it open. You can get so many better cards without fees, better interest rates and even cash back.

On the other hand, I do get a tiny bit of cash back on gas and it has helped me to rebuild my credit, so I can't complain too much.
Photo of Felicia L.
Jan 3, 2016
Credit One Visa serves it purpose to help rebuild your credit, but they are stingy with credit limit increases. I had to wait an entire YEAR before I was offered an increase. They only offered to give me $250 and were going to charge me $14.95 if I accepted. I paid on time, making multiple payments a month every month, paid Balance in full a few months and all they want to offer is $250??!! Capital one gave me $1000 increase on BOTH of my cards with them. Overall, it is a pretty good card for people trying to rebuild their credit. I am thankful they gave me a chance more
Photo of Tanya M.
Jan 10, 2016
I had my card 30 days and they gave me an auto increase no fees
Photo of Robert D.
Dec 25, 2015
Credit One Visa card is a card that I wouldn't recommend to anyone. Credit One promise to Increase my credit rating after 6 months if paid on or before due date. I made my payments on time still hasn't received an Increase. I received a bill for $50 dollars before I activate my card. My credit limited was $300 dollars with an high interest rate of 23.90 percent. Stay away from this card it will decrease your credit not Increase it. There are too many charges and fees.
Photo of Alyssa B.
Nov 26, 2015
I am very happy with this card. My credit is NOT great, and I needed some help. I got approved for this card on a whim, and have made sure to pay it off shortly after I use it each time, and have gotten two credit line increases so far. My limit is less than 1000, but that's ok, I am happy with that. They've been very fair to me!
Photo of Bruce M.
Jan 29, 2016
Thanks for that review Credit One employee
Photo of Ashley N.
Nov 15, 2015
This is my second year having the credit one bank credit card. I have been reading the negative reviews online and I have to say that my experience has been more positive. My personal history summarized: worked hard to build my credit; met guy, got married, a couple years and a few bad moral & credit decisions later, my credit was ruined. I am now divorced and single. I signed up for this card in 2014.

Facts about this card:
1. For people with bad to below average credit;
2. $75 annual fee upon sign up (introductory fee); is immediately tacked unto account as soon as you activate the card and more
Photo of Joshua C.
Nov 3, 2015
Had this card over 1 year, never saw an increase in limit even though I make my monthly payments on time. Waste of time with this company. Applied twice for increases over the last year, declined each time. Went online to capital one logged into my account clicked on increase limit, and 30 seconds later came back approved and my limit was changed immediately. Good by Credit One!
Photo of Josh P.
Sep 17, 2015
credit one platinum card- no deposit required
It was easy to get with poor credit - CL of 400
very hard to get a credit line increase. they do not show your credit score as advertised.....all of their "perks" you have to pay for
took 3 months to show up on my credit reports
$75 annual fee gets charged to the card soon after you receive it
hard to pay, there is no app and you have to jump through hoops to pay it. it takes 4-5 days for your payment to process. if you want it to process sooner (1-2 days) there is a $10 fee.
the customer service is terrible, one guy was actually more
Photo of Mark W.
Oct 17, 2015
Actually if you use bill pay from your bank it's free and only takes 1 day to post to your account.
Photo of Michael M.
Aug 12, 2015
stay away from this card,all of the positive reviews are bullshit, this is a scam stay far away, you can do better, secured card, start with fingerhut thats a better start than these con artists, they should be shutdown, look at there logo looks like capitol one credit cards, think thats a accident, fraud !!!!!!!!!!!!!!!!!!
Photo of Brandon D.
Oct 19, 2015
I have 2 of this company's cards and I have no issues whatsoever after doing business with them for 3 years now. I highly recommend them.
Photo of Par P.
Aug 6, 2015
THE CREDIT ONE CARD IS COUNTER PRODUCTIVE. The policies of this card are complicated and costly. Contrary to its claims to help build or repair credit, it won't. Its quite the opposite. A $75.00 fee is deducted from the credit limit before you even use the card and its due before the 30 day period has passed, a $25.00 late, and serveral processing fees, and many hidden fees. By the time you add up all the fees a majority of the credit limit is owed back to Credit One leaving you with hardly any credit to spend for the things you got the card for in the first place. This more
Photo of Samantha S.
Jan 25, 2016
That's the point of cards for people with poor credit. The sub-prime lenders like those offering the Credit One card are unsecured but guarantee the user pays up front (deposit esque) and test the waters with you on the "balance." If you pay the balance off each pay period you not only save daily compounding interest fees you are also apt to receive the mythical limit increase reviewers claim don't exist. Paying the balance and paying the minimum say two different things. 1. If u pay the balance (or most of it) each month it says youre bot over extending and use credit wisely. Youll likely receive a high offer. more
Photo of Gina H.
Aug 3, 2015
Hi I've had this card about three weeks and I was approved for the 300 credit line I'm elated because who would ever trust me with money right?
yes I destroyed my credit in my younger years and I'm still struggling to become more responsible with my money management. So far so good everyone I like the fact that they have numerous ways for you to pay them western union, moneygram ,bank account and fast pay with debit there's no way anyone can default with this card impossible. If one method to pay doesn't work you have another excellent. I haven't received a credit line increase as of yet more
Photo of Alan S.
Jun 30, 2015
Do know that the annual fee, about $75 is charged to your account immediately once you accept the card, so don't run out and max your card Also, no one there at customer service is American so good luck understanding them. I had to keep asking the person to slow down and speak slowly and had them repeat what they were saying over and over again. It's embarrassing to have to keep telling a person you don't understand them and it's frustrating to not be able to get a full and complete answer because of the language barrier. This is my opinion so far, maybe things will improve.
Photo of Rebekah W.
May 19, 2015
This is an awesome credit card. The cash back benefits are better than any other card, allowing me to withdraw however much I want to cover other bills. I lvoe using this card to buy gas, since it lets me get good benefits/rewards on so mething i have to buy.
Photo of Bruce M.
Jan 29, 2016
Another Credit One employee making extra cash to post good reviews-your not fooling ANYONE!
Photo of Airam N.
May 19, 2015
From all that I've read not just here but other review sites, those who have a less favorable opinion of the Credit One Visa are those who seem to be headed right back to that situation that ironically got them here in the first place! Use this card with the expressed purpose of building OR rebuilding credit , meaning: only purchase what you can pay IN FULL AT STATEMENT TIME! Anyone sweating the interest charged tells me you're carrying a balance which means you're really not that interested in truly changing your financial future. Paying on time is great and sometimes an emergency will require splitting up payments but short more
Photo of Brittany H.
Apr 19, 2015
I like that I was approved for this card because I have very low credit and my credit has improved from owning this card. I do not like their customer service. It is very hard to get ahold of somebody that I can communicate with. At one point I moved and called to have my address switched and about 3 months later I lost my card and when I ordered another one they sent it to the wrong address.
Photo of Ovusian L.
Apr 16, 2015
I was looking for a credit card that didn't have absolutely ridiculous fees or rates. My credit - like many others - was damaged by the recession and subsequent housing market. Regardless of that however, I was able to get a card with the Credit One Bank and even though it has an annual fee it does not have all the additional little fees that many other "poor credit" credit cards have. These other cards heap on activation fees, but this card does not.

Make no mistake it is not a great card, but it is useful for rebuilding your credit. The fees aren't too bad, and the annual fee is more
Photo of David G.
Apr 12, 2015
I was searching for a card that had a bigger CL considering my bad score of 566. I applied and got approved in 2 days. CL of 400 - the $75 fee and $19 for an extra card still gives me some room to breathe. Higher interest rate but it is what it is. CREDIT RE-BUILDER, just have to be responsible and serious about getting the CS up where it should be. This is a great way to get started.. OK card you can even pick a card with a pretty picture for an additional fee...
Photo of Deleka J.
Apr 10, 2015
This is a great card to get if you are trying to rebuild your credit. I've had mine for a couple of years, and while the interest rate is high they do offer other perks if you make your payments on time. One of which is a credit increase almost every six months. Also they provide me with a free credit score, I can view it each time I log into my account online. So I get to see how my credit improves over time.
Photo of Patricia S.
Apr 3, 2015
It is a great credit card to have to help you get your credit up. The interest is high but if you have bad credit that is why it would be higher because some people don't like to pay their bills and then either ignore them or file bankruptcy. My credit is not the best because of some things out of my control but this will help me get it going back up.
Photo of Anna M.
Mar 27, 2015
The card was easy to get considering I'm in the process of rebuilding my credit. I didn't have to give any money to get the card but there was a $75 annual fee right up front. I received my statement a couple of days after I got the card. The statement showed the $75 fee with a $25 minimum payment due. I guess you can't complain to much and it's the price you pay when your credit gets damaged. I appreciate the oppurtunity to have a small credit line in case of an emergency. At least I didn't have to send money upfront and my line of credit was higher more
Photo of Justin W.
Sep 1, 2015
Can you use this card for anything or just debt?
Photo of Ronald W.
Mar 4, 2015
I am so glad that I was approved for this card! I drive for a living, so I really like that this car earns gas rewards. However, I am not very fond of the annual fee - I feel like it basically takes away some of the rewards I earn. The interest rate is slightly lower than others cards I have, but it is still quite high. I have not used this card for cash advances or any purchases other than gas, but overall its a good card to have for drivers like me.
Photo of Sachi I.
Jan 27, 2015
This is a great Visa card. I am so glad that I applied for this card as it has a pretty low interest rate and the rewards are fantastic (such as, getting money back for gas purchases)! I actually prefer using his card over other major credit cards. For example, the customer service representatives at Credit One are very professional and helpful every time I call. I have never experienced anyone who was rude or disrespectful from their helpline. Also, I like the fact that this card does not have any transfer fees as well. Overall, I would recommend this card to anyone that I know.
Photo of Caryl A.
Jan 13, 2015
I love this card! I can use it virtually anywhere because it's a VISA. And getting money back for gas purchases is like a bonus! I always forget about that and then when I see my bill I'm surprised about how much I've earned back. And it's got a really low annual fee and NO transfer fees. That makes a huge difference compared with other cards that do charge you for transfers. Those fees can rack up quickly. My credit score has gone up 40 points since I have been using it for the last several years. I do not use it a whole lot but I always pay it more
Photo of Erika B.
Dec 19, 2014
Photo of Ashley R.
Dec 1, 2014
This is credit card is a great choice! I love that I can get gas rewards for purchases that I make throughout the month. I also love that you are completely protected against fraudulent charges.
Photo of Marsha S.
Nov 17, 2014
I'm happy there is a card out there made just for me. Thank you
Photo of Joao L.
Nov 13, 2014
With the Credit One Bank credit card with Gas rewards, I love the fact that I can use the card and get gas rewards all the time. I also build my credit with this card. However, the only thing I don't like is the annual fee of 99 which I think it is way too much, but with every company they have to make money somehow so I got to deal with it. One of the best credit cards I have so far, I have had this card since I was 18 and I have loved it ever since that time.
Photo of Patrice W.
Nov 10, 2014
I use the Credit One Bank Credit Card with gas rewards. My business requires that I do a lot of driving so having a card that offers rewards definitely saves me quite a bit of money. Most rewards programs have a max on your reward but this one doesn’t.
Photo of Ashley R.
Dec 1, 2014
I am sure that the gas rewards definitely help you out a lot since you have to do a lot of driving for work. I also love that you are completely protected against any type of fraudulent purchases. This is great for me because I am constantly losing my credit cards.
Photo of Eva S.
Sep 30, 2014
Credit has been a sensitive and challenging topic for me since college. I got started on the wrong foot from the beginning so I have had my struggles. But I realized that credit is a tool and it absolutely is a strong tool if you take time to understand the "credit game" and really get clear on your personal finances and your goals. Know where you are at--exactly. Credit One gave me a break which honestly I didn't expect. Sure they've got fees here and a little there but if you need to inject some live blood into your credit game and rejuvenate a struggling score, this card helped my more
Photo of Macy U.
Sep 26, 2014
This card absolutely helped me raised my credit score and it still is! As a teenager, didn't know any better ruined my credit score not paying on time. But within those years I tried applying for other credit cards and it denied me a few times. So I gave up after 4/5 years. Finally this card offered me, and I decided to check it out. At first I thought it was a little shady, because of all the fees that I had to pay. But at the end it all worked out, it has been helping me raise my credit score, now I am finally approved for great offered credit more
Photo of Heather H.
Sep 16, 2014
I absolutely love this card. It has kept me posted on my credit score, it gives recommendations to improve your score and lets you know why you may be getting hit, I have followed its recommendations and it as promised has improved my score. I pay ON TIME everytime and has even increased my balance over time as promised. This is a perfect card if you're trying to rebuild your credit, I have read poor reviews and I don't get it, don't get a credit card if you cant make the payments as I am sure thats what got you in trouble to begin with.
Photo of Dalinda G.
Sep 8, 2014
This bank does not need a star. After not having my credit card in hand i wanted to reset my password. They Yelled at me and said i was an idiot for not having my card I HATE THIS
Photo of Christine B.
Aug 27, 2014
The Credit One Credit card is a good card to help build or rebuild your credit. This is one of the very first cards that I ever applied for. Their payments are very manageable each month. I was given 2 credit increases in 2 months which was nice, but what I didn't like was that they charge you around $24.99 to increase your credit limit, I feel like this is ridiculous considering my Capital One Premier card is also very generous and they do not charge you to increase your credit limit. They also offer a credit tracking tool to give you your credit score, although it seems to inaccurate, more
Photo of Jennifer Z.
Aug 26, 2014
Their credit card is more for people with no credit, but they approve just about anyone with bad credit too. I had their credit card back in 200.. something I used the card for many years, it was expensive but I had no complaints until I missed a payment one month.I paid the card off in full and then I went traveling abroad. I forgot that they were charging me month to month yearly. Well, I didn't pay the 1st month and I didn't realize it until I looked at my credit report.... I check it nearly daily and it was 32 days late from the only charge was the more
Photo of AL D.
Aug 25, 2014
i like The Bank Of America SECURED Visa Credit Card much better, You can Open it with $300, it does have a $39 annual fee but after 10 months of you making ON TIME Payments You can ask them to Return your Deposit and INCREASE your Credit Line, i started with a $300 Deposit and now i have a $1,700 UNSECURED Credit line with them after just 10 months...
Photo of Joshehann W.
Dec 2, 2014
how's your credit score?
Photo of Crystal H.
Aug 8, 2014
Credit One cards are easy to get. The short app's and you only have to wait about 7 days to get your card in the mail. Bill payment is easy over the phone but their is a fee or send a money order or check in the mail. Late fee's are high but there are low monthly payments.
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Last updated on: Feb 10th, 2016 at 5:07 EST

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