Credit One Bank Reviews 

1,443
TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Evaluating 763 reviews, most reviewers were somewhat happy with their experience overall. Consumers generally find the application process remarkably smooth and simple, deeply appreciating how quickly new cards arrive in the mail and how easy it is to manage daily transactions. Many people truly enjoy using the service to build or rebuild their credit history without encountering major obstacles along the way. However, some customers also noted unexpected challenges regarding slow payment processing times that delay updates to their balances. A few other people additionally felt quite frustrated by excessive fees and unhelpful support teams when attempting to resolve sudden account restrictions.

What people talk about most

Payment

Clients share ambiguous opinions on payment, with many reviewers reporting frustrating delays and unexpected... See more

Customer service

People report ambiguous experiences with customer_service, highlighting a clear divide in consumer feedback.... See more

Product

Consumers find product to be ambiguous, experiencing a wide mix of satisfaction and strong frustration. Many... See more

User experience

Reviewers express high satisfaction and appreciation regarding their overall user experience. Consumers... See more

Service

Users describe ambiguous interactions with service, reflecting sharply contrasting experiences. While some... 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 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

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

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.


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

(1,443)

805 reviews in the last 12 months

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Rated 3 out of 5 stars

Yearly fees are too high

Yearly fees are too high, and my direct deposit to pay up the account IN FULL has, so far, been witheld 6 days, so THAT I WILL NEVER DO AGAIN. Otherwise, just like other overly high fees credit cards. On the plus side, I have not had any problems with purchasing up to my limit, which is better than the #1 CC offered me (limit, that is). Will keep for a while longer, I guess.

16 July 2026
Unprompted review
Rated 1 out of 5 stars

Worst credit card bank I have used by…

Worst credit card bank I have used by far. They pretend to be a legitimate bank, but they’re really loan sharks masking as a bank. I paid off my full balance, then they hit me with some random made-up charge. I refused to pay and they have been blowing up my phone, texting, emailing, and mailing me every single day—all for $95 dollars. If you are a broke and struggling bank, just say so.

1 July 2026
Unprompted review
Rated 5 out of 5 stars

very helpful

very helpful. also i am thankful for the credit to build my credit back up. Thank you! i hope to get a credit line increase soon

13 July 2026
Unprompted review
Rated 5 out of 5 stars

Capitol one extended me credit slowly…

Capitol one extended me credit slowly and continues to extend my credit or give me new cards as I keep faithful with my payments monthly. I would recommend them to anyone needing a hand in building back their credit.

15 July 2026
Unprompted review
Rated 2 out of 5 stars

Plenty of other options out there

Typical CC lender for those with subpar/lack of credit history. Rates border on predatory. I got a card with them back in my early 20s back when my credit history was new. Huge concern (and the reason I dropped the card) was the nonexistent security. Account was compromised THREE TIMES in less than a year and I barely used the card. That's more times than all the other CCs and bank accounts I have put together to date.

14 July 2026
Unprompted review
Rated 1 out of 5 stars

Not a card for improvement of credit score

Got this card and used it. Easy to get and set up but then...
Paid off the entire amount that I charged and even paid the extra amount to have it 'post quickly'. Nearly 3 weeks later...
Have a $.50 credit for my 'cash back' reward but my available credit is at $0. Because they refuse to update the account to show that I have no balance, it looks to the credit bureau that the credit is being used.
Silly card. I'll keep it and not use it because it is worse to cancel it before 6 months but just beware, it will not help improve your credit score.

25 June 2026
Unprompted review
Rated 1 out of 5 stars

Your fraud dept its a joke

Your fraud dept its a joke. There was a charge for a plane ticket in someone I have no idea whom they are name. And your fraud dept claims it was a legit charge. What a joke!!!!!

26 May 2026
Unprompted review

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