Credit One Bank Reviews 

1,469
TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Considering 786 reviews, most reviewers were somewhat happy with their experience overall, finding the platform genuinely helpful for their everyday financial needs. Consumers generally find the application process fast and straightforward, deeply appreciating how quickly physical cards arrive and get approved at retailers. Many customers note that the cards are extremely useful for rebuilding credit histories, tracking online transactions, and managing purchases smoothly. Some reviewers were not happy with unexpected account closures, sudden security blocks, and a high amount of excessive fees. People also mentioned severe difficulties concerning customer service responsiveness, noting that support teams lacked empathy when important issues arose.

What people talk about most

Payment

Reviewers mention ambiguous feedback about payment, reflecting starkly contrasting experiences. While many... See more

Customer service

Reviewers highlight ambiguous aspects of customer service, with experiences varying widely among consumers.... See more

Product

Clients share ambiguous opinions on product experiences, reflecting a wide range of diverse user feedback. On... See more

User experience

Customers had positive experiences with user_experience, highlighting that the application, setup, and... See more

Service

People report ambiguous experiences with service, reflecting a wide split in customer satisfaction. Many... See more

Reviews shaping this summary

Rated 3 out of 5 stars

I had a problem getting my card. It would not accept my information so I went to my bank and after discussions with you we finally got it straightened out.

Rated 3 out of 5 stars

It took approximately 3 weeks to get my card & I randomly opened my app to try tracking my card and I already owed my first bill. I hadn't even gotten the card before I'm being charged.

Rated 3 out of 5 stars

This card is not accepted everywhere, neither Walmart nor Amazon accepts this card, which is inconvenient.

Rated 4 out of 5 stars

It's got a high apr and a pretty hefty annual fee, but it's helping me rebuild my credit. That alone is priceless. I learned the hard way how difficult it is to climb out of debt once you're in it...... See more


Company details

  1. Bank
  2. Financial Consultant
  3. Non-Bank Financial Service

Information provided by various external sources

Credit One Bank is one of America's leading credit card issuers, serving over 7 million card members nationwide. We are committed to providing credit card products that offer more value through cash back rewards and free online monthly credit score tra...


Contact info

3.5

Average

TrustScore 3.5 out of 5

1K reviews

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No history of asking for reviews

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3.5

All reviews

(1,469)

833 reviews in the last 12 months

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Rated 5 out of 5 stars

A+ customer service employees

Customer service reps are always helpful and understanding, never condescending
Makes customers feel like they really matter. The card came at the exact right time bc my car needed all new brakes.

August 5, 2026
Unprompted review
Rated 1 out of 5 stars

I am absolutely NOT enjoying my card

I am absolutely NOT enjoying my card. I have had this card not even 72 hours and have made over 10 calls to the company regarding my card being declined. I activated it and used it the first day with no issue. The next morning I purchased $10 in gas. A $150 hold was put on my card that is still currently on it (almost 3 days later). Every time I try to use my card it is declined. When I call to ask what is going on, I get a different answer every time and I'm either told I need to wait, or that it should work the next time. It's been 8 next times. I am HIGHLY disappointed and will be paying my bill off and canceling my card. VERY unfortunate.

August 2, 2026
Unprompted review
Rated 2 out of 5 stars

overall

overall, this is a good card for rebuilding credit but I made a payment 6 days ago and it still does not reflect on my account. For a system that knows I have used it immediately, it sure doesn't like to give payment credit too quickly. This is a big issue for me. I will be finding a different credit card service.

August 3, 2026
Unprompted review
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Rated 1 out of 5 stars

Worst company ever

Worst company ever. You cant understand the reps. What little you can make of the conversation is crap. They talk in circles and transfer you to another because they dont know what they are talkn about. They all need retrained and also need to take a lesson in the English vocabualry. Also if you in a bind its tough ×××× !!!! they wont help you nor listen to what your saying. BEWARE STAY FAR AWAY. Its just not worth the headache.

July 29, 2026
Unprompted review
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Rated 1 out of 5 stars

This is for their credit card

This is for their credit card. They will take the side of the merchant, EVERYTIME. I was ripped off of $6700 where the merchant acknowledged receiving the item back (later claimed it was the wrong size - which is what they sent me), kept the item AND my money. This bank took their side! Complicit in the fraud. Find another bank.

July 30, 2026
Unprompted review
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Rated 1 out of 5 stars

if i could give zero i would not give…

if i could give zero i would not give them any stars i was a customer for 18 years i had perfect credit 800 credit score and they sent into credit bearu to wreck my credit for a fee that they said they would waive and never did do not use this company they will wreck your credit and rip you off they have a bunch of nasty people that don’t speak english and rude ungly people and company

July 29, 2026
Unprompted review

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