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 4 out of 5 stars

Haven't used it yet

Haven't used it yet. I wanted it for emergencies only not to just spend for the sake of spending. Nowadays no one can afford to splurge. It came pretty fast but I hope that eventually when I do start using it, and paying on it, that eventually the line of credit goes up.

April 22, 2026
Unprompted review
Rated 5 out of 5 stars

I appreciate the opportunity to rebuild…

I appreciate the opportunity to rebuild my credit score as it was an exspouse I had added onto my account who screwed it up three years ago. Even though the annual cost is rather high, it still gives me the chance to redeem the credit I had built after another spouse had messed it up also! Learned my lesson- card will ONLY be in my name!

April 21, 2026
Unprompted review
Rated 4 out of 5 stars

The intent to rebuild credit was my…

The intent to rebuild credit was my driving force, after 13 years after declaring Chapter 13, my credit score was still below 600 - I never established credit by paying cash for my bills. Rent, utilities, everything was paid via direct transfer from my checking account - good practice but did little to establish a credit history.

April 22, 2026
Unprompted review
Rated 4 out of 5 stars

Pretty awesome

I don't really like the annual fee and other cards give a certain amount of time free of interest, but I am very happy with the card and the credit that they've given me. A little bit of faith has gone a long way to help me with a whole lot of things! It's a good amount of credit and I really appreciate having it!

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

I love the experience I have with you…

I love the experience I have with you guys. Everytime I speak with someone in the customer service department they always go above and beyond to make sure my needs are fulfilled and taken care of. Any questions or concerns they always take the to address them before the conversation ends. I truly appreciate the company and service you guys provide for me.

April 20, 2026
Unprompted review

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