Interest rates range from 23.9% to 26.9%, depending on your credit history. Like Applied Bank, Credit One charges you if it grants you a credit line increase, although it charges "only" $49 versus $100. In addition, this card charges an 8% fee for cash advances after the first year, which is about twice what most other cards charge.
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"I like these [Orchard Bank] cards because let's say you're on the bubble between bad and poor credit, you might be able to get a better deal with one of these cards," said Beverly Harzog, credit ...
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Credit One Bank credit cards are designed specifically for subprime applicants, so the best reason to get one is to rebuild your bad credit. Responsible use, including limited purchasing and full, on-time payment every month, can help rebuild credit, as Credit One will report to all three credit agencies.
The annual fee is determined by your credit report and like the other Credit One Bank credit cards will be $0 to $99 the first year and $0 to $99 thereafter. Your first-year annual fee will be deducted from your initial credit line. After that, the annual fee is split into 12 equal payments, with one payment billed each month.
Credit One Bank® Credit Cards. Here are all of our current Credit One credit cards. Quickly compare card features, interest rates, annual fees and more to find the card that's right for you.
Credit One cards are great for rebuilding credit. I've had no surprises on my statements. I've had no problems with getting credit limit increases. It's a great card and I would highly recommend it. Even if you have good credit!
Credit One cards without a grace period will start charging interest as soon as your purchase posts. Because there is so much variation in the bank’s offerings, the quality of your Credit One credit card will depend entirely on which offer you get.