Best Credit One Bank® Credit Cards for 2024

Is Credit One Bank legit?

Yes, Credit One Bank is a legitimate financial institution offering several well-known credit cards used by over 10 million people. Their credit cards are secure and come with fraud protection to protect their card members. Credit One Bank was established in 1984 and specializes in credit cards for consumers with limited credit histories.

Is Credit One Bank a good credit card?

Credit One Bank offers several great options for consumers with limited, bad, or no credit histories. Credit One’s credit card selection includes cashback reward cards and cards without annual fees (be sure to review the fine print as some do have modest yearly charges). 

Where is Credit One Bank located?

Credit One Bank has its headquarters in the United States in Las Vegas, Nevada. Credit One Bank functions primarily online to offer its services to consumers across the country.

Does Credit One Bank give credit limit increases?

Yes, Credit One Bank awards periodic credit line increases to responsible users. That means keeping your balance relatively low compared to your credit limit and paying your bill on time. If you do these two things, you will increase the likelihood of receiving a credit limit boost. 

Can you have two Credit One Bank credit cards?

Yes, Credit One allows card members to have more than one card. If you use your card responsibly, they might automatically prequalify you for additional cards so you can gain access to more features and benefits. 

How to activate Credit One card

Credit One requires all new customers to activate their credit card by phone versus online. This is to confirm your identity and ensure your security. To activate your new card, call the customer service number located on the back of your card. You won’t be able to use your card until you call and activate it. 

What credit score do you need for a Credit One Bank card?

Credit One invites consumers of all credit levels to apply for their cards. However, they specialize in lending to those with limited or bad credit — so if you know your credit needs some work, Credit One likely has several card options for you to consider. Additionally, their credit cards are unsecured, meaning no deposit is required to get started.

Is Credit One good for building credit?

It can be challenging to rebuild your credit after a financial setback. If you fell on hard times and missed a few payments on a credit card or loan, your credit score likely took a hit. Fortunately, Credit One offers several credit cards for consumers in these situations, such as the cards listed above. 

Before applying for any credit card, make sure you are in a healthy financial place and can afford your monthly payments. Otherwise, you could end up worse off from where you started. 

If you’re financially stable and are looking for a safe, secure, and convenient way to start rebuilding your credit, Credit One Bank has several solid options for you to consider.