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Credit One Bank Reviews 1,196

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TrustScore 3.5 out of 5

3.6

Bank
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Review summary

Created with AI, based on recent reviews

Considering 560 reviews, most reviewers were somewhat happy with their experience overall. Customers generally find the product and user experience to be positive, highlighting the ease of application, activation, and account management. Many appreciate the flexibility and security features, along with the opportunity to build credit and receive increased limits for timely payments. However, some people were dissatisfied with aspects of payment and customer service. Issues reported include cards being declined despite available balances, unexpected holds on funds, and difficulties with linking bank accounts or disputing charges. There are also mentions of high fees and challenges in reaching live representatives for support.

What people talk about most

Payment

Consumers find payment to be ambiguous. While some reviewers appreciate the ease of managing transactions and... See more

Customer service

Reviewers mention ambiguous feedback about customer service. Many customers praise the excellent,... See more

Service

Reviewers highlight ambiguous aspects of service. Many customers express appreciation for the service,... See more

User experience

Customers consistently note positive experiences with user experience, highlighting the ease of application,... See more

Product

Clients share positive opinions on the product. Many customers are very happy with their new cards, finding... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Card comes in handy when you need it and got increase within a month which is good thing. Also helps build your credit. The only negative is you have to pay fee from your balance

Rated 3 out of 5 stars

First let me start with Credit One is great. My first experience using my card was not!! I had activated my card using the QR code. As I’m standing at the counter of a store using my card for the fir... See more

Rated 3 out of 5 stars

It’s really way too early to give an honest review, which is why I only have it three stars - asking for a review this early makes a statement also, no?

Rated 5 out of 5 stars

I appreciate the fact that your an actual credit card company and not a scam, or a get rich company. I understand you make money on your cards, but that's what credit is about. I have family that has... 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

3.6

Average

TrustScore 3.5 out of 5

1K reviews

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Rated 5 out of 5 stars

CREDIT ONE a good corporation

CREDIT ONE provided Me with more than adequate credit, even though it is a corporation that is not located on the east coast. CREDIT ONE also quickly confirmed and corrected the fraud/unauthorized charges which were made on My VISA cards. Furthermore, CREDIT ONE rewarded My timely payments with increased credit. "THANK YOU", CREDIT ONE for being invaluable to Me@

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

Do not do business with Credit One…

Do not do business with Credit One card. They are rip off. I had my credit card hacked from them and someone charge $1220 on my credit card. I notified Credit One the same day that my credit card was hacked and they reverse the charges then charge my credit card again because they said I did business with this company. If they look at my record with this company, I never made $300 charges at different times I only charge $50 or $100 at one time. Never did I charge $300 at one time. My credit card was charged at 0559 the first $20 then every minute after $300. The times was 0601,0602,0603 and0604. Credit One refuse to credit my account the 1220 because they said I did business with this company. I would like to know how they got my three digit code on the back of the card but Credit One approve all the charges. now they tell me I need to pay them the $1200.

April 19, 2026
Unprompted review
Rated 1 out of 5 stars

Beware

I was approved for a card, received it, and attempted to make a purchase with Amazon. The transaction was incorrectly flagged as suspicious, declined, and my card was subsequently blocked. I was then informed that the only way to restore access was to submit additional personal documentation and wait up to 10 more days for review.

At this point, the company has already accessed my credit reports and collected sensitive information, including my Social Security number, yet I am still being asked to repeatedly verify my identity. I also find it unreasonable that my driver’s license address must exactly match my utility bill, especially considering I recently purchased a Mercedes-Benz using the same license without issue, despite my current residence address being different.

I understand the importance of fraud prevention, but this process feels excessive, inconsistent, and poorly handled for a legitimate customer. Rather than continue submitting additional documentation and obtaining a new driver’s license solely to satisfy these requirements, I have decided to close the account.

Given this experience and the number of similar low-rated reviews from other customers, closing the account may have ultimately been my best decision.

May 9, 2026
Unprompted review
Rated 5 out of 5 stars

Truly the best credit card I have in a…

Truly the best credit card I have in a long while bet their the best, I kinda went over by a dollar but I still appreciate it I highly recommend their credit card and services to anyone interested.

April 27, 2026
Unprompted review
Rated 5 out of 5 stars

Credit One is amazing

Credit One is amazing. They make it easy to access your account, manage your transactions and make payments. I just received my new card and it was simple to activate and set up security.

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

My Experience

Everyone with customer service has been friendly and not had a bad attitude and I really appreciate that so I'm saying give Credit one chance to shine

May 6, 2026
Unprompted review

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