credit one bank american express card review

Credit needed · Discounts from participating merchants with Amex Offers · Early access to concert and event tickets from American Express. The primary benefits of this American Express Card with a variable APR between 13.99% and 23.99% include: Introductory 0% APR for the first 15. Card benefits: Credit One Bank American Express Card users can access travel and shopping benefits, including car rental loss and damage insurance, travel.

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Credit One American Express Credit Card Review - Amex for Bad Credit? Or what?
credit one bank american express card review

Easy

I have more than one American Express Card. Why is only one eligible?

Only Cards enrolled in the Membership Rewards program are eligible to use Shop with Points. For the details of your specific Cards, please contact American Express by calling the phone number on the back of your Card.

Why don't I see the available Membership Rewards points on the payments page?

If you have a Membership Rewards points balance that is less than 2 points, have not added a Membership Rewards eligible American Express Card to your Amazon account, or have not used a Membership Rewards eligible Card to make a purchase at Amazon before, you may not see available points on the payments page. If there is an error in displaying your Membership Rewards account point balance, please contact American Express by calling the phone number on the back of your Card.

Is there a fee for using Membership Rewards points for my Amazon.com purchase on the amazon.com site?

No. There is no fee for using Membership Rewards points on Amazon.com.

I have enough rewards points for my order. Why do I have to specify the Credit or Charge Card linked to my rewards program account in my order?

Orders for which you use rewards points must also include the Credit or Charge Card associated to the rewards account from which the rewards points are applied. When you use points for your entire Amazon purchase, American Express will charge your purchase to your Card account and deduct the points you used from your program account, and you will see a corresponding statement credit for the points you used.

I don't have enough rewards points for my order. How can I pay for the rest of my order?

You may use the Credit or Charge Card from which the rewards points are applied or use Amazon.com gift cards or Amazon Payments Stored Value to pay for the rest of your order.

May I apply promotional coupons to orders in which I use Shop with Points to pay?

Yes, you may apply any eligible promotional coupons to orders paid using rewards points.

Can I use points toward my Amazon.com purchase over the phone?

No. You can only use points towards purchases online at Amazon.com.

Can I combine points from multiple reward programs for my order?

Rewards from multiple reward programs cannot currently be aggregated for a single order. You may register multiple rewards programs on Amazon; however, rewards purchases will be paired with the Card associated with the rewards program. Rewards may also be combined with an Amazon.com gift cards.

I have a gift card or stored value available in my Amazon account. How will this be applied with rewards points?

Amazon applies the credit one bank american express card review points that you requested to use and that your rewards provider approved for use, then the gift card or stored value amount, and then any remaining balance to the Credit or Charge Card linked to your registered rewards account.

I can't find rewards points to use. What do I do?

We'll never apply rewards points without your permission. To use rewards points for your order when checking out on Amazon, click the "Change" button in the payment method box located below the order summary. When Rewards Points are applied to your order total, you'll see them before you place your order. If you don't see Rewards points, click the "Change" button in the Payment Method box. When you choose how you'd like to pay, you'll be able to apply available Rewards points to your order.

What if I cancel my purchase after using points?

If you cancel your purchase and had used points toward that purchase, Amazon will refund the corresponding dollar amount of the purchase to the American Express Card you used. Please allow 2 to 4 business days for the refund to post to your online statement. If you’d like to have the Membership Rewards points returned to your account instead, please contact Membership Rewards program Customer Care at 1-800-297-3276.

I didn’t mean to use points for my purchase. What should I do?

Please call American Express Membership Rewards program Customer Care at 1-800-297-3276 for assistance.

Источник: https://www.amazon.com/b?ie=UTF8&node=16030766011

I recently successfully signed up for the X1 card.  Regular readers may remember that this is the start-up card that has no annual fee and offers 3x everywhere for those who spend $15k within a cardmember year.  Plus, it offers even better rewards for those who refer others or who take advantage of “boosts” (more on this later in the post).  You can find my previous article about X1 here: X1 Card Review: Up to 4x Everywhere. It’s here. It’s real.  I haven’t yet received the physical X1 card (it’s in the mail), but I’ve had occasion to use it a bit both online and in-person via Apple Pay.  My first impressions: thanks to “Boosts,” the card is fun to use and more rewarding than expected.  Unfortunately, it’s also kind of scary: we’ve received reports of people being shut down very quickly for no apparent reason.

X1 Overview

Here’s an overview of the X1 Card:

  • iPhone only: For now, you must have an iPhone to sign up.
  • Heavy metal: 17g “Pure Stainless Steel” (since I haven’t received the card yet, I’ll take X1’s word for that).
  • Card network: Visa Signature
  • Earn 2x to 5x everywhere: Earn 3x if you spend over $15K in a year (otherwise 2x); Earn 4x for a month after referring a friend; Earn 5x with various “Boosts”
  • Annual Fee: $0
  • Late Fee: $0 (but you will be charged interest on the balance of course)
  • Foreign Transaction Fees: $0
  • Virtual card numbers: Easily create virtual card credit one bank american express card review in the X1 app with several options:
    • Singe-Use Card: Auto-cancelled after 1 purchase
    • Free Trial Card: Auto-cancelled in 24 hours
    • Standard Virtual Card: Cancellable at any time.
    • Advanced:
      • Optionally set a monthly limit
      • Make the wyoming com internet Anonymous
      • Auto cancel: Never; after 1 day; after 7 days; after 30 days
  • Higher credit limits: My X1 card has a $30K limit which is considerably higher than most of my other cards.
  • No hard credit inquiry: X1 does a “soft pull” of your credit.

Fun and Rewarding

X1 points are worth 1 cent each towards a wide variety of travel and retail purchases (you can find a complete list here).  When you first midwest bank online banking a referral link to sign up for X1, you get a month of 4x earnings automatically (4% rewards, everywhere).  You can get an additional month of 4x earnings for each person that you refer to X1.  But even ignoring referrals altogether, X1 is extremely rewarding as long as you spend $15,000 per year since that gives you 3x everywhere.

The thing I didn’t know until I was approved for this card is that it’s also possible to earn 5x on many purchases thanks to X1’s “Boosts”.  When I first opened the X1 app, I saw that I could pick from a large selection of Boosts.  Most Boosts offer 5x for certain types of purchases: Apple Pay, restaurants, grocery, etc.  Some are fixed point boosts such as “Earn 100 Points on your next $100+ purchase”.  The fixed point boosts seem to be designed to offer at most 5x earnings and only if you’re already earning 4x, so the best strategy is usually to pick a 5x Boost.

I initially picked an Apple Pay 5x Boost and then bought a couple of items at CVS using Apple Pay.  A few things were notable about this:

  1. I immediately received an email confirming that the Boost worked. Subject: “Boost Completed: 5X Points Earned”.  Content of email: “Merchant: CVS, Amount: $17.50, Total Points Earned: 87”.
  2. Points showed up immediately in the X1 app.  Most rewards programs wait until your statement closes before awarding points.  In some cases (such as with Capital One, I believe), points are awarded once a purchase moves from pending to actual.  In this case, the purchase was still pending.
  3. I was immediately able to select a new Boost after the CVS purchase.  Apple Pay 5x showed up again, so I picked it again.  I thought that maybe it would always be available, but after using the Apple Pay Boost one or two more times, it was no longer an available option.

Not only are these Boosts very rewarding at 5x, but I found the whole process fun.  There’s a bit of strategy involved in picking your Boost: will my next purchase be with Apple Pay, or dining, or grocery, or online?  If online, will my purchase be in an eligible category or should I pick a generic boost that offers points for a $100+ purchase (for example)?  Another option is to wait to pick your Boost until you’re about to make a purchase.  I guess that some may find this stressful, but for me it’s like a fun little puzzle which, when solved correctly, means bonus points.  If you mess up, you still earn great rewards.

Scary

The scary thing about X1 is that a few readers have reported to us that X1 has shut them down for “misuse” of their rewards program soon after they opened the card.  For example, one reader said that he only tried a single purchase with the card (he tried to buy a laptop at Best Buy), the purchase wasn’t approved, and his account was shut down.  How in heavens can that be considered misuse of their rewards program?!

Another reader wrote about X1: “I spend a good amount of money within the first days and posted my code in social credit one bank american express card review for people to skip the waitlist. Suddenly all the transactions were declined.”  After some back and forth with customer support, he got this message: “Hope you’re well. I just wanted to give you an update that the team did their review and your account has been flagged for potential misuse of our rewards program. As a result, we will sadly need to close your account.”

When signing up for X1, it’s necessary to connect the bank account where your salary is deposited so that they can determine your credit limit from that.  Some people have speculated that X1 is using this information to also look for a history of manufactured spending behavior and are shutting people down if their accounts look suspicious.  I find that hard to believe for a number of reasons, but I’m putting it out there as a bit of a caution.  If you sign up for X1 and you have a history of manufacturing spend, make sure to link a bank that has only non-ms transactions on record.

Regardless of how or why X1 has been shutting down accounts, the situation makes me nervous.  I’d love to make X1 my single go-to card for almost all spend (except when earning a very good bonus with another card), but I’m worried that X1 may decide for some reason that they don’t like me after all.  Earning a lot of points won’t be very useful if I get shut down before I get to use the points.  Normally, I’d be pretty cavalier about something like this and just assume the best, but my experience with getting shut down by Capital One has me on edge (see: Capital One shut down my account and gave me only a half cent per mile).  Capital One shut me down for no discernable reason (I truly didn’t do any questionable christmas tree in the park san jose and so the same can plausibly happen with X1.  When Capital One approved my Venture application, they gave me a $30K limit… just like X1.  Coincidence?

Conclusion

So far I’m enjoying using the X1 Card.  Thanks to “Boosts”, the card is even more rewarding than expected, and it’s fun to use.  But I’m seriously nervous about getting shut down.  My approach right now is to gently ramp up spend on the card.  I won’t do any large purchases for a while, nor will I do anything that looks remotely like manufactured spending (i.e. I won’t buy gift cards with X1).  I’m also going to wait a while before referring anyone to X1.  I’m worried that referring lots of people is one of the triggers that they look for (even though they encourage it with 4x earnings!).  At some point if/when I feel comfortable that we won’t all get shut down, I’ll start a referral congo line in our Frequent Miler Insiders Facebook Group.  That should provide an easy way to keep members going at 4x rewards.

Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

Источник: https://frequentmiler.com/x1-first-impressions-fun-rewarding-scary/

Credit One Bank: What You Need to Know

Top perks

To be fair, there are a couple of positives to note about Credit One credit cards.

No minimum credit score

You can get Credit One Bank credit cards with any credit score. This is the card issuer's main draw. If you're working on your credit, a Credit One credit card could be one of the few you can open.

Cash back rewards

All the Credit One credit cards offer cash back rewards. No matter which card you have, you'll at least be able to earn cash back on some of your purchases.

What could be improved

Unfortunately, Credit One credit cards also have several frustrating drawbacks.

Complicated application process

Unlike most credit card companies, Credit One Bank doesn't let you decide which of its cards you want to apply for.

Instead, you first need to go through the prequalification process. This involves filling out a form with personal information so that Credit One Bank can run a soft credit check (which doesn't affect your credit). Based on that, it will show you which cards you prequalify for, as well as their terms and conditions.

Excessive fees

A big reason Credit One Bank gets a bad rap is its fees. If you make a free standard payment, it can take up to seven days before that payment is reflected in your available credit. If you want to pay off your balance more quickly, you need to pay $9.95 for an express payment.

Multiple cardholders have also reported a fee for a credit limit increase. The standard amount bank of america open account online non resident to be $24.99.

When you're rebuilding your credit, it's important to minimize the amount you spend on fees. Credit One credit cards don't help with that. For cards targeted at people with bad credit, that's a major flaw.

Not all cards have terms and conditions upfront

Credit One Bank also differs from other popular card issuers in only publishing some of its credit cards' terms and conditions online. The available terms and conditions for some cards are "for information purposes only," which aren't official and provide very broad information.

For example, the Credit One Bank Platinum Visa lists its annual fee as anywhere from $0 to $95 in the first year, and from $0 to $99 after that. In the second year, the fee might also be charged annually or broken down into 12 monthly payments.

Suggested credit score

There is no minimum credit score required to get a Credit One credit card. However, your credit score will determine the cards and terms you can get. Some of its cards are available to consumers with bad credit. Others require average or excellent credit.

Should I apply for a Credit One credit card if it’s my only option?

It's unlikely that a Credit One credit card is your only option. Before you apply for one, you should shop around to see what better options may be available. There are other credit cards that are easy to get, such as secured credit cards, store credit cards, and student credit cards. If your credit score is poor, you can start with our list of expert-reviewed best credit cards for bad credit.

You can build your credit with a card from Credit One Bank. But for most consumers, there are alternatives, so it's smart to look for cards that charge fewer fees.

Источник: https://www.fool.com/the-ascent/credit-cards/credit-one-bank/

Credit One Bank American Express Card Review

Who paypal credit sort code and account number the Credit One Bank American Express Card for?

If you're looking for a convenient, rewarding, and easy to manage credit card, the Credit One Bank American Express Card may be for you. This card offers 1% cash back on all purchases made and automatically puts that cash back into your balance. No need to log in and apply the cash back to your statement balance, as this is all done for you.

By not having to manually apply cash back to your balance, this card is perfect for those who have a busy schedule as well as those unfamiliar with technology. To say otherwise, you can spend more time doing important tasks than having to worry about claiming your rewards.

This card also provides a variety of purchasing protection, such as the retail purchase service. The retail purchase service, for example, reimburses you if an eligible item is damaged or stolen. If you’re a frequent shopper, you should consider this card to reap its benefits of having the peace of mind that your purchases are secured, eligible for return, and heavily warrantied.

Rewards

The 1% cash back rewards on this card allows the user to be able costco south san jose shop anywhere on anything. Unlike other cards, there is no limit on how much you can gain in cash back. Even one purchase of any amount will result in direct cash back, no need to compile your rewards to a certain stage before being applied to your balance. Finally, there is no expiration of rewards as they are automatically deducted from your balance.

Benefits

The Credit One American Express Card comes with Amex benefits and promotions. These Amex offers introduce deals on your favorite dining spots, clothing brands, travel destinations, and much more. To exemplify, a purchase of $150 or more at Ray-Ban.com can earn you an extra $30 cash back on top of the regular 1% cash back. For the frequent shopper, this is a dream come true as these exclusive what is mcb are only found by being a part of the Amex circle through cards like this.

This card comes with an initial credit limit of $500, an impressive amount for someone building their credit from the ground up or restoring a damaged credit history. Also, cardholders are subject to increases in their credit limit through a review of their credit line. Therefore, you can not only use this card as a www scbt com protocols point to establish/rebuild your credit, but also use it as your daily go-to.

Another great benefit of this card is the ability to check your credit score for free, using the Experian ScoreX Credit service. Holders of this card are allowed one free credit check per month and can routinely monitor their credit-building progress.

Services and Protections

This card from Credit One bank comes with many security protections and services. The Zero Fraud Liability feature allows users of this card to be able to report any illegal activity done through the card and instantly take action on it. Also, this card comes with retail protection which compensates you up to a total of $1,000 per loss on selected items bought up till 90 days from purchase. Products that are stolen or damaged can be compensated for thanks to the Credit One American Express Card. 

An additional feature that comes with this card is the ability to enjoy an extended warranty. In the extended warranty provided, the manufacturer’s warranty is doubled to a maximum of 12 months on eligible purchases. For example, an eligible item purchased with its warranty of 5 months gets extended to a total of 10 months, if it is purchased through this card. However, a purchase that has a 13-month warranty can’t get doubled to 26 months, but only gets doubled to a total of 24 months. This service becomes a no-brainer if you purchase expensive items or simply like to play it safe.

On top of all these great services offered with this card, the Credit One American Express Card comes bundled with return protection. Return protection allows the cardholder to be able to return designated items if the seller is not willing to take it back, up to $300 per item and a total of $1,000 annually. To be able to take advantage of this protection service, the cardholder must file a return claim within 90 days of the initial purchase date. Thanks to this added bonus, you’ll never have to worry about making the wrong choice when shopping as you can get your money back anytime. 

This card doesn’t lack protection as its car rental loss and damage insurance is phenomenal. If you rented a car worth at most $50,000 to replace and got into a collision, you would be worry-free as the Credit One American Credit one bank american express card review Card has you covered. Any eligible car rental of up to 31 days would be secure as long as it’s rental is paid with this card. The best part is not even the insurance, but the hassle-free automatic coverage. You don’t have to initiate any paperwork to start receiving the coverage or register your rental, you only have to file a claim within 45 days after an incident.

TIP: If you want to rent an eligible car for more than 31 days, return the car on the 31st day and rent for another 31 days. This way, you can enjoy the protection of having rental insurance without having to sacrifice the length of time that you use the car for.

Lastly, this card offers the ability to be reimbursed for accidental death, loss of limbs, how to open navy federal business account senses if the traveling method is paid through the card. Let us say for example, that on a trip to Australia via a common carrier such as a ship, a Credit One American Express cardholder lost their life. This cardholder’s beneficiaries would receive up to $150,000 due to the fact that this cardholder had paid their traveling fare with the card. It makes perfect sense for frequent travelers on common carriers credit one bank american express card review buy this card so they can enjoy reimbursement of life and limbs without a single penny extra.

Cautions

The Credit One American Express Card has an annual fee of $39. Those interested credit one bank american express card review this card, should make sure that they spend enough in cash back to offset the annual fee. To say otherwise, you need to spend at least $3,900 per year or $325 per month to use this card at no cost. Every cash back after $3,900 spent on this card, will be your true ‘reward,’ until then, you're just making back your annual fee.

If you find the need to add an authorized user to your Credit One American Express Card, be aware that there is an additional charge of $19 per person added. The amount you would need to spend to make back the authorized user fee and the annual fee, increases by $1,900 per year or $158.34 per month per authorized user. Anything beyond one authorized user with the initial $500 limit will result in you not breaking even. With no timeline for when to reassess the cardholder's credit limit, it would be best to hold off on adding more than one additional user until further increases in credit.

Another critical factor when considering this card is that you need to be able to pay your balance in a timely manner. The Credit One American Express Card has a 23.99% variable APR, making it crucial that the cardholder not carry over any balance. 

The services and protections mentioned all apply to certain types of products and conditions. It is recommended that you have a look over the service protections’ Terms and Conditions to familiarize yourself with what’s covered, what’s not, and the fine print. For example, the return and retail protection compensates you only for the price of the product but not for the price of shipping and handling. Similarly, familiarize yourself with the car rental and travel insurance that's provided, to ensure that you can correctly take advantage of being a holder of the Credit One American Express Card. 

Conclusion

The Credit One Bank American Express Card proves to be a quality card for those that 1st financial federal credit union routing number the benefit of multiple incentives without having to worry about its maintenance. The frictionless experience of not having to apply your rewards and automatically being enrolled in rental and travel insurance is possible with this card. Further, if you’re just starting to build credit, this could be the path to a stronger credit score. Amex benefits from this card guarantee that you’ll enjoy restaurant, clothing, travel, and many more types of promotions. At first sight, this card may seem like it doesn’t have much to offer but with its rewards and automation, benefits, and endless protection programs, the Credit One Bank American Express Card has more than enough to offer.

You can apply for the Credit One Bank American Express Card online here.

Источник: https://clyde.ai/credit-card-details/108-credit-one-bank-american-express-card-details-review

Credit One Bank American Express® Card

Credit One Bank American Express® Card Review

This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One American Express card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 23.99%. is it hard to move to california
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S. credit one bank american express card review
  • Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Credit One American Express card

The GoodThe Bad
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Credit One Bank American Express® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.

Credit One American Express card FAQ

Does Credit One American Express card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Credit One American Express card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Credit One American Express card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular Bmo of montreal online banking.

It has a variable purchase APR that ranges from 17.99% up to 23.99%. It also has a variable cash advance APR that ranges from 17.99% up to 23.99%.

Does Credit One American Express card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Credit One American Express card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Credit One American Express card?

The following fees apply:

FeesAmount
Annual Fee $99
Foreign Transaction Fee3%
Returned Payment Feeup to $39
Late Payment Feeup to $39

Does Credit One American Express card have a foreign transaction fee?

Credit One American Express card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Credit One American Express card?

The Credit One American Express card customer service number is (877) 825-3242.

How do people rate the customer service and user experience of Credit One American Express card?

Overall, Credit One American Express card is strongly recommended based on community reviews that rate customer service and user experience.

Does Credit One Bank American Express® Card report your account activity to credit bureaus?

Yes, Credit One Bank American Express® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Credit One American Express card

  • Visit the Credit One American Express card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Источник: https://www.supermoney.com/reviews/personal-credit-cards/credit-one-bank-american-express-card

Platinum Rewards Visa

Our thoughts

The Platinum Rewards Visa with Cash Back Rewards comes with an annual fee of $95, but also a good cashback rewards program that can easily make up for the annual fee. You earn 5% cashback rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter. If you spend at least $5,000 on groceries in a year, that's $250 in cash back before you hit the earnings cap. The card also comes with a higher minimum credit line of $500, making it a good way to go for someone with average credit.

By the way, if you have Excellent/Good credit and community first bank kansas city love the idea of grocery rewards, you should check out the Blue Cash Preferred® Card from American Express. It offers a better cashback rate on U.S. supermarket purchases.

Score needed: Average

Rewards: 5% cashback rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter

Minimum credit line: $500

APR: 23.99% Variable

Annual fee: $95

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Platinum Rewards Visa with Cash Back Rewards comes with an annual fee thank you for your patience quotes $95, but also a good cashback rewards program that can easily make up for the annual fee. You earn 5% cashback rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter. If you spend at credit one bank american express card review $5,000 on groceries in a year, that's $250 in cash back before you hit the earnings cap. The card also comes with a higher minimum credit line of $500, making it a good way to go for someone with average credit.\u003C\/p\u003E\n\n\u003Cp\u003EBy the way, if you have Excellent\/Good credit and you love the idea of grocery rewards, you should check out the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Blue Cash Preferred from American Express Card: Big Cash Back, Small Annual Fee\" href=\"https:\/\/www.valuepenguin.com\/blue-cash-preferred-card\"\u003EBlue Cash Preferred\u00ae Card from American Express\u003C\/a\u003E\u003C\/span\u003E. It offers a better cashback rate on U.S. supermarket purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Average\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: 5% cashback rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $500\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $95\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit One Bank Wander Card

Our thoughts

If you love to travel, the Credit One Bank Wander Card is actually a pretty decent travel rewards card with rewards especially targeted to national park and amusement park lovers. Cardholders earn bonus points on amusement parks, as well as restaurants and hotels. For a $95 annual fee, this is actually a good rate on travel purchases. New cardholders are also treated to an $80 statement credit toward a national park pass in the first year.

Your points are fairly straightforward to redeem: You can redeem them toward statement credits in increments of 1,000 at a value of 1 cent per point. You can also redeem points for gift cards, merchandise and more.

Score needed: Fair/Good/Excellent

Rewards: Earn 5X points on eligible recreational & amusement park purchases, 3X points on eligible restaurant and lodging purchases, and 1X points on all other purchases

Minimum credit line: $500

APR: 23.99% Variable

Annual fee: $95

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EIf you love to travel, the Credit One Bank Wander Card is actually a pretty decent travel rewards card with rewards especially targeted to national park and amusement park lovers. Cardholders earn bonus points on amusement parks, as well as restaurants and hotels. For a $95 annual fee, this is actually a good rate on travel purchases. New cardholders are also treated to an $80 statement credit toward a national park pass in the first year.\u003C\/p\u003E\n\n\u003Cp\u003EYour points are fairly straightforward to redeem: You can redeem them toward statement credits in increments of 1,000 at a value of 1 cent per point. You can also redeem points for gift cards, merchandise and more.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Fair\/Good\/Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: Earn 5X points on eligible recreational & amusement park purchases, 3X points on eligible restaurant and lodging purchases, and 1X points on all other purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $500\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $95\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit One Bank American Express Card

Our thoughts

The Credit One Bank American Express Card charges a $39 annual fee, but offers Unlimited 1% cash back rewards on all purchases and, most notably, travel benefits and purchase protections from American Express. You'll have to contend with slightly more limited merchant acceptance, since it's an Amex card, though on the plus side, you'll be covered with benefits, like 90 day coverage against theft and damage on eligible items.

Score needed: Average-Excellent

Rewards: Unlimited 1% cash back rewards on all purchases

Minimum credit line: $300

APR: 23.99% Variable

Annual fee: $39

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Credit One Bank American Express Card charges a $39 annual fee, but offers Unlimited 1% cash back rewards on all purchases and, most notably, travel benefits and purchase protections from American Express. You'll have to contend with slightly more limited merchant acceptance, since it's an Amex card, though on the plus side, you'll be covered with benefits, like 90 day coverage against theft and damage on eligible items.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Average-Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: Unlimited 1% cash back rewards on all purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $39\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit One Bank® Platinum Rewards Visa With No Annual Fee

Our thoughts

This is the only card from Credit One with a $0 annual fee in its terms, and therefore one of the best options on this list. It's a decent choice for earning rewards while building credit: You'll Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply, without having to pay an annual fee. Unfortunately, you don't earn any cash back outside of its limited earning categories, so if you have good credit, you can find better cashback credit cards.

Score needed: Excellent

Rewards: Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply

Minimum credit line: $300

APR: 23.99% Variable

Annual fee: $0

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThis is the only card from Credit One with a $0 annual fee in its terms, and therefore one of the best options on this list. It's a decent choice for earning rewards while building credit: You'll Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply, without having to pay an annual fee. Unfortunately, you don't earn any cash back outside of its limited earning categories, so if gleaners food bank mission statement have good credit, you can find better cashback credit cards.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: Earn 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services, terms apply\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $0\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit One Bank® Unsecured Visa® with Cash Back Rewards

Our thoughts

For an annual fee of $0-$99, the Credit One Bank® Unsecured Visa® with Cash Back Rewards includes a lesser rewards program security first insurance dog breed restrictions the two cards above: You only earn 1% cash back on a limited list of categories. However, it's not a terrible option for someone trying to build a credit history. If you can't qualify for the above offers, you should check this card out.

Score needed: Bad/Poor

Rewards: Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply

Minimum credit line: $300

APR: 17.99% to 23.99% Variable

Annual fee: $0-$99

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EFor an annual fee of $0-$99, the Credit One Bank\u00ae Unsecured Visa\u00ae with Cash Back Rewards includes a lesser rewards program than the two cards above: You only earn 1% cash back on a limited list of categories. However, it's not a terrible option for someone trying to build a credit history. If you can't qualify for the above offers, you should check this card out.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Bad\/Poor\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 17.99% to 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $0-$99\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit One Bank® NASCAR® Credit Card

Nascar

  • Earn 1% cash back rewards on eligible gas and automotive purchases and double cash back rewards at the NASCAR First hawaiian bank hours aiea, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

+ see card details

Our thoughts

The Credit One Bank® NASCAR® Credit Card is one of several cards from Credit One targeted to consumers trying to rebuild their credit. It charges an annual fee of $39-$99 and offers cash back on NASCAR purchases. The card also offers exclusive deals, discounts and special experiences for NASCAR. If you're a NASCAR fan, it could be a good way to build your credit score.

Score needed: Excellent/Good/Fair/Poor/Bad

Rewards: 1% cash back rewards on eligible gas and automotive purchases and double cash back rewards at the NASCAR Shop, terms apply

Minimum credit line: $300 minimum credit line (reduced by annual fee that you are granted — e.g., if you have a $99 annual fee, your credit line will be $201)

APR: 23.99% variable

Annual fee: $39-$99

url=_credit-one-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Credit One Bank\u00ae NASCAR\u00ae Credit Card\"\u003E\u003Cimg alt=\"Credit One Bank\u00ae NASCAR\u00ae Credit Card\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4488.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1051?99% variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E300 - 850\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?99% variable\",\"bannerDisclaimers\":[\"On Credit One Bank's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"300 - 850\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Nascar\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4488.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1051?url=_credit-one-credit-cards\",\"name\":\"Credit One Bank\\u00ae NASCAR\\u00ae Credit Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Credit One Bank\u00ae NASCAR\u00ae Credit Card is one of several cards from Credit One targeted to consumers trying to rebuild their credit. It charges an annual fee of $39-$99 and offers cash back on NASCAR purchases. The card also offers exclusive deals, discounts and special experiences for NASCAR. If you're a NASCAR fan, it could be a good way to build your credit score.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Excellent\/Good\/Fair\/Poor\/Bad\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: 1% cash back rewards on eligible gas and automotive purchases and double cash back rewards at the NASCAR Shop, terms apply\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300 minimum credit line (reduced by annual fee that you are granted \u2014 e.g., if you have a $99 annual fee, your credit line will be $201)\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $39-$99\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Vegas Golden Knights Credit Card

Our thoughts

Similar to the Credit One Bank® NASCAR® Credit Card, this card is targeted to fans of Las Vegas’ hockey team. It charges an annual fee of $0 to $75 for the first year. After that, $0 to $99. However, while it does include special deals and discounts for Golden Knights fans, it doesn't offer a cashback bonus on Golden Knights purchases. Instead, you'll be offered 1% cash back on a variety of categories, just like the Credit One Bank® Unsecured Visa® with Cash Back Rewards.

Score needed: Rebuilding-Excellent

Rewards: 1% cash back rewards on eligible purchases

Minimum credit line: $300 minimum credit line (reduced by annual fee that you are granted — e.g., if you have a $99 annual fee, your credit line will be $201)

APR: 23.99% Variable

Annual fee: $0 to $75 for the first year. After that, $0 to $99

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003ESimilar to the Credit One Bank\u00ae NASCAR\u00ae Credit Card, this card is targeted to fans of Las Vegas\u2019 hockey team. It charges an annual fee of $0 to $75 for the first year. After that, $0 to $99. However, while it does include special deals and discounts for Golden Knights fans, it doesn't offer a cashback bonus on Golden Knights purchases. Instead, you'll be offered 1% cash back on a variety of categories, just like the Credit One Bank\u00ae Unsecured Visa\u00ae with Cash Back Rewards.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Rebuilding-Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: 1% cash back rewards on eligible purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300 minimum credit line (reduced by annual fee that you are granted \u2014 e.g., if you have a $99 annual fee, your credit line will be $201)\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99% Variable\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $0 to $75 for the first year. After that, $0 to $99\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Friends® Credit Card

Our thoughts

For animal lovers, the Best Friends® Credit Card offers rewards on pet purchases, plus a little something extra for your furry friends — a donation of 1% of eligible purchases to the Best Friends Animal Society. With a fairly low annual fee of $0-$39, this card could be a decent option for a pet owner trying to improve their credit score.

Score needed: Average to Excellent

Rewards: 5% cashback rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year, and then 1% thereafter

Minimum credit line: $300

APR: 23.99%

Annual fee: $0-$39

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EFor animal lovers, the Best Friends\u00ae Credit Card offers rewards on pet purchases, plus a little something extra for your furry friends \u2014 a donation of 1% of eligible purchases to the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Best Friends\u00ae Credit Card\" href=\"https:\/\/bestfriends.org\/\"\u003EBest Friends Animal Society\u003C\/a\u003E\u003C\/span\u003E. With a fairly low annual fee of $0-$39, this card could be a decent option for a pet owner trying to improve their credit score.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Average to Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: 5% cashback rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year, and then 1% thereafter\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99%\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $0-$39\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Six Flags® Rewards Visa

Our thoughts

Amusement park enthusiasts should give the Six Flags® Rewards Visa a close look. In addition to generous points on Six Flag purchases, the card awards a fair amount of points on gas, groceries and lodging. The card is open to users with Average to Excellent credit, with applicants on the lower side of this range qualifying for a $0-$39 annual fee. This bank of america sunday hours near me not a bad deal for someone trying to improve their credit score, though applicants with higher scores can do better.

Score needed: Average to Excellent

Rewards: Earn 3X points on eligible Six Flags purchases, 2X points on eligible gas, grocery, and lodging purchases, and 1X points on all other purchases

Minimum credit line: $300

APR: 23.99%

Annual fee: $0-$39

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EAmusement park enthusiasts should give the Six Flags\u00ae Rewards Visa a close look. In addition to generous points on Six Flag purchases, the card awards a fair amount of points on gas, groceries and lodging. The card is open to users with Average to Excellent credit, with applicants on the lower side of this range qualifying for a $0-$39 annual fee. This is not a bad deal for someone trying to improve their credit score, though applicants with higher scores can do better.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EScore needed\u003C\/strong\u003E: Average to Excellent\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERewards\u003C\/strong\u003E: Earn 3X points on eligible Six Flags purchases, 2X points on eligible gas, grocery, and lodging purchases, and 1X points on all other purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMinimum credit line\u003C\/strong\u003E: $300\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\/strong\u003E: 23.99%\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\/strong\u003E: $0-$39\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

WWE® Champion Credit Card

Our thoughts

The WWE® Champion Credit Card is a solid option for applicants with Average credit who are also fans of sports entertainment. For a $49 annual fee, the card offers cash back on all your purchases, plus bonus rewards on certain categories, including TV, mobile phone and dining purchases. The specific perks for WWE fans are limited spirit airlines phone number usa you’ll get a specially designed card and access rockland weather special promotions from WWE. However, the card’s cashback rewards are a good reason to sign up, potentially making up for the annual fee each year.

Score needed: Average

Rewards: 3% cash back on eligible internet, cable and satellite TV, and mobile phone service purchases; 2% cash back on eligible dining purchases and 1% cashback rewards on all other eligible purchases

Minimum credit line: $300

APR: 23.99%

Annual fee: $49

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WWE® Superstar Credit Card

Our thoughts

Credit One offers a second WWE-branded card for those trying to rebuild their credit, the WWE® Superstar Credit Card. Like the WWE® Champion Credit Card, the WWE® Superstar Credit Card comes with a special card design and special WWE promotions. However, the cashback rewards are limited to a few spending categories and the annual fee is high. You can find secured credit cards that allow you to rebuild credit with no annual fee and much better rewards.

Score needed: Rebuilding

Rewards: Earn 1% cashback rewards on eligible internet, cable and satellite TV, and mobile phone service purchases, as well as eligible dining purchases

Minimum credit line: $300 (reduced by annual fee that you are granted — e.g., if you have a $99 annual fee, your credit line will be $201)

APR: 23.99%

Annual fee: $75 for the first year, then $99

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Compare Credit One cards

Platinum Rewards VisaCashback rewardsAverage5% cashback rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter$95
Credit One Bank Wander CardTravel rewardsFair/Good/ExcellentEarn 5X points on eligible recreational & amusement park purchases, 3X points on eligible restaurant and lodging purchases, and 1X points on all other purchases$95
Credit One Bank American Express CardTravel benefitsAverage-ExcellentUnlimited 1% cash back rewards on all purchases$39

Show All Rows

Credit One card benefits

Cashback rewards

With all Credit One cards, including products for consumers with low credit scores — you'll earn cashback rewards on your purchases. Rewards range from 1% cash back on a few categories of purchases, to 5% cash back on some categories of purchases and 1% back on everything else.

No security deposit required

None of the cards above require a security deposit, which means you can start building credit without having to plunk down a large dollar amount (though you may still have to pay an annual fee).

Free credit score

You can sign up for a free credit score service that lets you view your credit score and credit report summary online.

Reports to major credit bureaus

Credit One reports to all three major credit bureaus (Experian, TransUnion and Equifax) each month, helping you to build a credit history.

Credit line increases

Credit One reviews your account on a regular basis. With responsible credit card usage, you could boost your credit line, which can help improve your credit score.

Prequalify online

Credit One allows you to prequalify for all of its products online, with no hard pull to your credit. You can see whether you qualify for an offer, and what type of offer you may qualify for before you decide to apply.

Zero fraud liability

As long as you notify Credit One immediately of unauthorized charges, you aren't responsible for paying those charges.

Pick your payment due date

If Credit One's default due date doesn't work for you, you can pick your own due date.

More Rewards program

You can get 10% additional cash back when you opt in to special offers through Credit One's More Rewards program.

What to watch out for with Credit One cards

Credit One cards can be useful tools for consumers working on their credit scores, though its terms can be a little confusing, since they can vary widely depending on your credit profile.

Here are a few items to keep an eye out for when applying for the cards:

  • Annual fee. Many Credit One cards charge an annual fee, and the fee can be very pricey for certain types of cardholders (up to $99 per year) if you're trying to rebuild credit. Furthermore, you can't tell until you prequalify how high of an annual fee you'll get. There is also variability in how the fee is billed — some cardholders are billed all at once; for others, the annual fee may be divided by 12 and billed monthly. Orange chicken recipe sure you check the terms of the offer when you prequalify to see if you can afford the annual fee. You may be better off applying for a secured credit card with no annual fee.
  • Uncertain terms. While Credit One has vastly improved over the past credit one bank american express card review, providing clearer annual fees and rewards rates on its site, it occasionally doesn't tell you these terms up front. In this case, reading through the terms and conditions can be pretty confusing due to all the caveats in the fine print. Fortunately, Credit One gives you more specifics once you fill out its prequalification form, so you don't have to commit to a card until you have an idea what you're in for.
  • Low initial credit limit in the first month. When applying for a credit building product with Credit One, you should also be aware that the card's annual fee is sometimes automatically charged to your account and comes out of your credit limit for the first month. In this case, if you have a $99 annual fee and a $300 credit limit, you'll only have $201 in remaining credit until you pay off your card that month.
  • Optional credit protection program. Credit One offers an optional credit protection program on some of its products. For a fee of $0.96 for every $100 of your balance, Credit One will help you make your payments in case of unemployment or disability. However, we suggest you spare yourself the fee and simply avoid carrying a balance on the card.

How to make the most your Credit One card

With proper use of these cards, you can boost your credit score and eventually qualify for larger credit lines and better cards. Here are some tips for making the most of your new card:

  • Use your card each month. You can't build a credit one bank american express card review history without using your card. To make it easy, try putting an ongoing purchase — like a gym membership — on your card, then be sure to pay it off each month. You'll be well on your way to a better credit score.
  • Don't charge too much. Credit one bank american express card review easy to get in over your head with credit, so take it easy with your new card — instead of going on a spending spree, start with a few small expenses each month and build from there.
  • Don't carry a balance. Pay off your balance each month. Not only does this prevent you from developing debt, but it keeps your credit utilization low — a major factor in credit scoring.
  • Pay your balance as soon as your statement closes. It's a good idea to pay your card early to make sure your payment has time to process. You’ll save yourself from having to pay interest, as well as penalty fees.

FAQs about Credit One credit cards

What is the maximum credit line for Credit One? 1st financial federal credit union routing number maximum credit line will vary, depending on the cardholder's credit history. You'll have an initial credit limit of at least $300 to $500.

How often does Credit One give increases?

Credit One doesn't specify how often it gives increases, but it does review your account on a regular basis for credit line increases.

Is Credit One a good credit card?

When used carefully and responsibly, Credit One cards can be a good option for consumers who want an unsecured credit card to build credit.

Is Credit One Bank legit?

Yes, Credit One Bank is a legitimate bank located in Las Vegas. Founded as a full-service bank in 1984, Credit One now focuses on unsecured credit card products.

Is Credit One part of Capital One?

No – despite the similarity in names, Credit One has no affiliation with Capital One.

Is Credit One secured or unsecured?

All Credit One products are unsecured, which means you don't have to put down a security deposit to open a card.

Does Credit One have a monthly fee?

Not exactly. Credit One doesn't charge a monthly fee, but it does charge an annual fee on some of its cards, billed in monthly installments for some accounts. Whether you have to pay this fee depends on which offer you qualify for – if you have a higher credit score, you could qualify for a card with no annual fee, or you could pay an annual fee up to $99.

Does Credit One help your credit score?

Credit One reports to all three major credit bureaus. If you use your Credit One card responsibly, it can help you build your credit score.

The information related to Platinum Rewards Visa, Credit One Bank Wander Card, Credit One Bank American Express Card, Credit One Bank® Platinum Rewards Visa With No Annual Fee, Credit One Bank® Unsecured Visa® with Cash Back Rewards, Vegas Golden Knights Credit Card, Best Friends® Credit Card, Six Flags® Rewards Visa, WWE® Champion Credit Card and WWE® Superstar Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Источник: https://www.valuepenguin.com/credit-one-credit-cards

Credit One Bank American Express® Card

Card Benefits & Features

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Enjoy your trip stress-free

Get up to $150,000 in Travel Accident Insurance coverage when you travel using your Credit One Bank American Express Card. Terms apply.

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Free online access to your Experian credit score

Monitor your credit health and track your progress with free online access to your Experian credit score every month. Terms apply.

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Customize your notifications

Stay in-the-know with transaction notifications, payment reminders, and fraud alerts delivered via text, push notification, or email.

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Protection against unauthorized charges

Stay worry-free with Zero Fraud Liability, which protects you against any unauthorized charges.

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Go green with paperless documents

Lessen your environmental impact and get secure access to your statements and documents online.

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Manage your account quickly and easily on your phone using the Credit One Bank Mobile App.

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Источник: https://www.creditonebank.com/credit-cards/american-express
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