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 762 reviews, most reviewers were somewhat happy with their experience overall. Consumers frequently mention that the online account setup and card activation processes are quick, simple, and very easy to complete. Many customers appreciate having the opportunity to smoothly manage transactions and successfully build their credit history over time. However, some customers also noted frustrating issues with unexpected extra fees and significant delays when processing payments. Some people were dissatisfied with customer service representatives when attempting to resolve sudden card blocks or technical problems. Reviewers often mentioned experiencing difficulties getting timely help or reaching a supportive representative during urgent situations.

What people talk about most

Payment

Reviewers mention ambiguous feedback about payment, reflecting a wide range of differing experiences. While... See more

Customer service

Customers had ambiguous experiences with customer service, reflecting a high level of disagreement. While... See more

Product

Reviewers highlight ambiguous aspects of product, showing mixed feelings about their cards. Some consumers... See more

User experience

People report positive experiences with user_experience, highlighting how simple the application and setup... See more

Service

Clients share ambiguous opinions on service, reflecting a mix of frustration and satisfaction. While many... See more

Reviews shaping this summary

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

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.


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)

830 reviews in the last 12 months

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Rated 5 out of 5 stars

Wht in matter of a day after receiving…

Wht in matter of a day after receiving my card was up running l was getting full reports of all my transactions and details of whr at and all the functions of what credit one said? All you got to do is slide it and they will do the rest...thanks to credit one card...

July 27, 2026
Unprompted review
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Rated 1 out of 5 stars

Very Terrible experience!

Very Terrible experience!!
The app is so out of date , it doesn’t even keep track of real time transactions.
Not even sure how my account became negative. Like I know well I didn’t go over my 300$ limit. Just close my account. I already cut my card in half. This is definitely a scam!

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

Tried to rebuild my credit with Credit…

Tried to rebuild my credit with Credit One after a bankruptcy and medical debt I opened it used for a couple transactions and got hit with $75 fee on the card without any notifications before I even opened the account no disclosure just a huge hidden fee fast forward 6 months I lost my job tried to work with them as looked for a new job they sold my account to some other company that now want over $700 for a $200 credit limit is this even legal???
Customer service is terrible, huge fee not disclosed at startup . Run DONOT USE THIS COMPANY TO REBUILD GO TO CAPITOL ONE INSTEAD!!

July 28, 2025
Unprompted review
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Rated 5 out of 5 stars

Application and customer service

Application and customer service.
The process was simple and straight forward and my first experience calling customer service was great, unfortunately I don't remember your associate name but was courteous and and pretty helpful.

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

Zero Stars !

Zero Stars !!
Absolutely horrible experience with some guy named Nick some Indian guy protecting the creditor and not the consumer. I do not and would never recommend this credit card company.!
When any credit card company protects the creditor instead of the consumer I would close my account and go with somebody else. Totally rude unacceptable experience with this person named Nick.!
This is why their reviews are so low. The APR is too high. The fees they charge are too high. The interest they charge is too high. Go with any other credit card company with this one.!
Whenever a credit card company protects the creditor instead of the consumer run as far as you can away from them!
Horrible experience I give zero stars !
Extremely high APR and extremely high daily fees and interest they were just sued for $10.2 million for harassment !
Never missed one payment yet they drop my credit score 30 points..
I don’t even understand how they’re not investigated thoroughly by the security exchange commission or the federal trade commission

July 24, 2026
Unprompted review
Rated 5 out of 5 stars

Credit One

I really like Credit One. I find they are a good company to get a credit card with.

July 25, 2026
Unprompted review
Rated 5 out of 5 stars

Not honest capital one 🕜😔😔😔

Well first of all l wasn't looking for another capitol one credit card now that's 2 different bills when l applied for credit increase l was rejected when you could just add 600.00 credit to the 5x rewards card shame now ll have get rid of the Master card🤬🤬

July 25, 2026
Unprompted review
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Rated 2 out of 5 stars

Lacking in features and regulatory procedures

No virtual card. App always has this finish setting up thing on it for a credit monitor, but I don't want it. It feels like its being shoved down my throat. No promotions on card. Taking 7 days for payment to post when its made through the app is insane. Charging a fee to pay on time is also insane.

July 11, 2026
Unprompted review
Rated 1 out of 5 stars

Account closed due to unwillingness to play shenanigans

I had the account that I was pre-approved through credit karma for about 3 years. One day out of the blue they sent me a letter that said they needed to verify my identity because of possible fraudulent activity on my account. I quickly opened my account and looked for anything out of the ordinary, I could not find one thing. They wanted me to send copies of my social security card my identification and several other documents in order for me to be able to use my card any longer. I have never missed nor made a late payment on this card, never made it claim of fraud or any other type of negligent activity on the account. Ultimately I found the request to be suspicious and possibly fraudulent so I called them and told them so and their response was to close the account. I'm 47 years old and had credit card since I was 18, never had a single credit card company make such a request. I guess the fraudulent me is going to be paying on the fraudulent card because the fraudulent me cares about his fraudulent credit score. Terrible company, when you call customer service all you get is a bunch of people that barely speak English. Don't do it!

July 23, 2026
Unprompted review

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