< See Cash Back Rewards Cards

Credit One Cash Back Rewards Credit Card

Credit One Cash Back Rewards Credit Card
Our Take:

The Credit One Cash Back Rewards card let's you have your cake and eat it too! The rare combo of credit-building potential plus rewards makes it a great  card for anyone with "Poor" credit or no credit. Skip to our full review

Learn More
and find out how you
can apply here.
  • Highlights
    • Receive 1% cash back on all purchases
    • Choose you card design
    • Unauthorized purchases are covered with $0 Fraud Liability
  • Regular APR
    19.99% - 25.99%
  • Credit level
    Good, Fair, and Bad Credit
  • Cash BackCash Back
  • Building CreditBuilding Credit
Fees
  • Annual Fee
    $0 - $99
Credit One Cash Back Rewards Credit Card Review

In the world of “bad credit” credit cards, very few have enticing offers to make you feel like a valued shopper. Instead, most credit card issuers for this group want to treat you more like you are on financial probation, with strict rules on how you can qualify for the card and spend. Then there’s Credit One, the issuer that offers a small cashback rewards program for shoppers looking to build credit. If you don’t know what to make of Credit One, that’s fair. This review should help clear things up for you.

The Credit One Cash Back card offers a cashback rewards programs for unlikely candidates, those with “Poor” credit or no credit at all. It offers modest, lower-than-average cashback rewards on all purchases. That’s still better than most cards out there for this group, so what’s the catch? Unfortunately, a common theme among cards of this type is a confusing lack of transparency in terms and conditions. Failure to offer up information on the front end of researching this card makes it difficult for people to know certain things (such as what fee to expect) before they apply. Even things traditionally expected from card issuers, like a grace period on payments, aren’t entirely clear.

Whether or not the points system will be rewarding depends on the fee and how much you spend on the card. If you’re trying to build credit, you may want to stick to only a small amount charged to the card each month, which may make it difficult to get enough points to pay for the fee. That said, this card is beneficial for people with “Poor” credit or no credit when used properly. If you make a little extra in cashback rewards, consider that the cherry on top!

Most Popular Cards
Capital One Quicksilver
Capital One Quicksilver
Citi Simplicity Card
Citi Simplicity Card
Chase Sapphire Preferred
Chase Sapphire Preferred
Related Articles
Featured image: Capital One SavorOne Cash Rewards
Capital One SavorOne Cash Rewards
A superb choice for diners with Excellent credit, Capital One SavorOne Cash Rewards credit card offers savvy shoppers a chance for above average rewards on purchases they are ...
Read More
Featured image: Applied Bank Secured Visa Gold Preferred
Applied Bank Secured Visa Gold Preferred
The Applied Bank Secured Visa Gold Preferred card is a great card to use as a tool for building credit. It has a low credit limit that allows ...
Read More
Featured image: Discover It Student Chrome
Discover It Student Chrome
Get cashback rewards and incentives for good grades with this premium card, the Discover It Student Chrome ...
Read More
Everything You Need To Know About:
Advertiser Disclosure:

The credit card offers that appear on this site are from credit card issuers from which CardGuru.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CardGuru.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note:

This content is not provided by Credit One Bank. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Credit One Bank.