Credit One Bank Reviews 1,196

TrustScore 3.5 out of 5

3.6

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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 1 out of 5 stars

I want to report my recent experience…

I want to report my recent experience with this credit card company. I have had an autopay set up for $100 for several months that I recently elected to cancel. The current's month autopay was paid on time so there was no outstanding monies due. To my complete horror I found that CreditOne Bank opted to take a payment from bank of the balance remaining of nearly $1900. My checking account had registered as overdrawn, and my mortgage check had been returned. I had a negative balance in my account. I contacted the company to inquire about their error. The agent assured me that the monies would be refunded in 24-72 hours which still posed a hardship but doable. Now the 72 hours have passed, and no refund has been received. I called the company again and now this agent has told me that the previous agent has made an error and the processing time for a refund is actually 7-10 business days. I asked to speak with a supervisor who basically was only able to send a follow up to whomever was processing the refund but she stated the payment was still 7-10 days but it may get there sooner. Meanwhile I had already called my mortgage company to plead my case and made a second payment that may or may not bounce again. This is an UNACCEPTABLE practice. My error...my problem, NOT my error then not my problem or responsibility. I am very dissatisfied with this company's performance in this matter.

May 8, 2026
Unprompted review
Rated 5 out of 5 stars

I'm really liking this card..

I'm really liking this card... I'm a single mom of 3 Teens their dad is deceased so it is taking all I can make to get by this card has really came in handy for emergencies or when I'm low on money... I really enjoy how they explain everything to you even right down to when your card is delivered.... its awesome to have n I'm very grateful

May 7, 2026
Unprompted review
Rated 5 out of 5 stars

This opportunity I have been granted…

This opportunity I have been granted has helped me and I was able to even stop an argument between two people over something small. This goes to show this company, card can resolve small and large issues that pop up while visiting or occasionally happens in our lives. It’s very clear in terms, useful when needed, as long as I am responsible and make my payments. Thank you everyone and blessings for all through this year is what I ask for .

May 1, 2026
Unprompted review

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