Credit One Bank credit cards
High-volume issuer for fair and rebuilding credit, known for annual fees on entry cards.
About Credit One Bank
Credit One Bank is a national bank best known as a high-volume issuer for people with fair or rebuilding credit, with cards such as the Credit One Bank Platinum Visa, the Credit One Bank Platinum X5 Visa and the Credit One Bank Wander Card. Many of its entry cards carry annual fees, several earn cash back or points on everyday categories, and it also offers a secured card option.
Credit One suits you if you have been declined elsewhere and want to see offers without a hard inquiry; its pre-qualification check takes under a minute and does not affect your credit score. The limitation: annual fees on its entry cards reduce the value of a card meant to help you build credit, so compare the total yearly cost with a no-fee secured card before you accept an offer. Its name is also easy to confuse with Capital One, which is an unrelated company.
Notable Credit One Bank cards
- Credit One Bank Platinum Visa
- Credit One Bank Wander Card
- Credit One Bank Platinum X5 Visa
Credit One Bank cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Capital One Venture X RewardsTravelers wanting premium perks at a lower net cost |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x ev… | None | None | Excellent (740+) | |
Capital OneVenture Rewards 4491 2049 3838 5912 VALID THRU 01/30TAYLOR REED Capital One Venture RewardsTravelers who want flat-rate miles with zero category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | None | None | Good to Excellent (700+) | |
Capital OneSavor Cash Rewards 5453 5469 2866 2988 VALID THRU 08/31CASEY BROOKS Capital One Savor Cash Rewards Credit CardDining, grocery and streaming spenders who want plain cash back |
None | 3% on dining, entertainment, popular streaming services and at grocery… | 0% intro APR on purchases and balance transfers for 15 month… | None | Good to Excellent (700+) | |
Capital OneQuicksilver Cash Rewards 5218 5480 2248 6237 VALID THRU 05/29TAYLOR REED Capital One Quicksilver Cash RewardsPeople who want dead-simple flat cash back with no fee |
None | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel | 0% intro APR on purchases & balance transfers for 15 months | None | Good (690+) | |
Capital One Platinum SecuredPeople rebuilding credit who want a low or flexible deposit |
None | No rewards — focused on credit building | None | None | Limited / Rebuilding | |
Walmart / OnePayOnePay Walmart Cash Back 5239 9412 6526 0689 VALID THRU 05/29TAYLOR REED OnePay (Walmart) Cash Back CardFrequent Walmart shoppers comfortable with an app-based card |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus… | None | Varies | Fair to Good (640+) | |
First Electronic Bank (for Coinbase)Coinbase One 3474 381972 94365 VALID THRU 12/28CASEY BROOKS Coinbase One CardActive Coinbase users who want bitcoin rewards |
None | Up to 4% back in bitcoin; tier depends on assets held on Coinbase | None | None | See issuer | — |
Synchrony Bank (OnePay/Walmart)OnePay CashRewards 5419 7567 4092 8995 VALID THRU 08/31AVERY PATEL OnePay CashRewards CardWalmart+ members who shop Walmart often |
None | 5% at Walmart for Walmart+ members (3% otherwise); 1.5% on other purch… | None | See issuer | See issuer | — |
Bank of AmericaRoyal ONE Plus 4113 1601 4822 7617 VALID THRU 04/31CASEY BROOKS Royal ONE Plus Credit CardFrequent Royal Caribbean, Celebrity or Silversea cruisers |
$99/yr | 4x Royal Caribbean, Celebrity and Silversea; 2x grocery, gas, EV charg… | None | None | See issuer | — |
Capital OneVenture Business 4983 1535 3146 1262 VALID THRU 05/29JORDAN TAYLOR Capital One Venture Business CardBusiness owners who want flat-rate travel miles |
$95/yr | 2 miles per $1 on every purchase; 5 miles per $1 on hotels, vacation r… | None | None | Good to excellent | — |
Approval rules and tips
Credit One Bank does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Use 'See if You Pre-Qualify' on creditonebank.com; it takes under a minute and does not affect your credit score.
- Submitting a full application after pre-qualifying triggers a hard inquiry.
- Check the annual fee in each offer, since fees on entry cards can vary by applicant.
How to apply for a Credit One Bank card
Apply at creditonebank.com. Start with the official 'See if You Pre-Qualify' check, which uses a soft inquiry and does not affect your credit score; submitting a full application then leads to a hard inquiry. Have your name, address, date of birth, Social Security number and income ready. If you received a mailed pre-approved offer, you can accept it online using the details in the offer.
Customer service: www.creditonebank.com
Credit One Bank FAQs
What credit cards does Credit One Bank offer?
Credit One Bank's notable cards include Credit One Bank Platinum Visa, Credit One Bank Wander Card, Credit One Bank Platinum X5 Visa. See the cards we review below for fees, rewards and APRs.
Does Credit One Bank have special approval rules?
Credit One Bank does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Credit One Bank credit card?
Apply on www.creditonebank.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Credit One Bank card?
See our step-by-step guide to activating a Capital One Mastercard (Canada) — online, in the app or by phone.
Do Credit One cards have annual fees?
Many do. Credit One is known for charging annual fees on its entry-level cards for fair or rebuilding credit, and the amount can depend on your credit profile. The fee appears in your offer before you accept, so compare the yearly cost with no-fee secured cards if your main goal is building credit.
Is Credit One Bank the same as Capital One?
No. Credit One Bank is a separate national bank that focuses on cards for fair and rebuilding credit. The similar names cause confusion, but the two companies are unrelated, with different cards, apps and customer service. Make sure you are on creditonebank.com when paying or signing in.