Credit One Bank Reviews 

1,417
TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Considering 717 reviews, most reviewers were somewhat happy with their experience overall. Customers generally find the platform easy to use, appreciating the smooth activation and management of transactions. Many reviewers highlight the product's effectiveness in helping to build credit and the quick delivery of cards. However, some customers also noted issues with unexpected or high fees, particularly annual and activation charges. A few other people also felt that customer service was often unhelpful, slow, or difficult to communicate with. Additionally, some people mentioned problems connecting their card to bank accounts or experiencing slow payment processing.

What people talk about most

Payment

People report ambiguous experiences with payment, with some customers expressing satisfaction with the ease... See more

Customer service

Consumers find customer service experiences to be ambiguous, with many expressing significant... See more

User experience

Customers had positive experiences with user experience, finding the account opening and card setup processes... See more

Service

Users describe ambiguous interactions with service, with some reviewers praising the excellent service, fast... See more

Product

Reviewers mention positive feedback about the product, with many expressing satisfaction with their new... See more

Reviews shaping this summary

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

I was disappointed in the fact I was charged my annual fee of $75 the second I activated my account. I was unaware that would be charges immediately taking a 1/3 of my credit limit. You figure your an... See more

Rated 3 out of 5 stars

The service was great and delivery acceptable. However they miislead Me by stating I was approved for $2500 when actually when the card arrived I found out I Only Had a $300 credit Limit. That confuse... 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?


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

(1,417)

783 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

CreditOne Bank claims department is ineffective.

CreditOne Bank's claims department is ineffective. Seven transactions for $24.95 were charged to my credit card. When I filed a fraudulent charges claim, they ruled in favor of the merchant. Stating that no error has occurred since the merchant's records confirm that my credit card (with EMV chip) was used for the transactions. Disregarding the fact that the transactions were made at different locations, or that I have never used the credit card in question at that merchant.

20 June 2026
Unprompted review
Rated 1 out of 5 stars

Let me explain something when you apply…

Let me explain something when you apply for credit it means you need it and when they approve you and give you a certain amount which they did me it was $300 I accepted it with the aspects of building my credit as soon as I activated my card they charged me $75 for annual fees out of my $300 credit limit so no I wouldn't recommend them

24 June 2026
Unprompted review
Rated 1 out of 5 stars

CAUTION!! Hidden fees and fraudulent activity

After applying for the credit card in APRIL it's now almost July . I finally received it after the 3rd call to them asking where my card was. They said each time we are re issuing you a new card. Mind you I had fees and late charges pilling up while all this was occuring... Long story short once I finally received my card and tried to activate it, I found out I had 110$ worth of fees due immediately and had never even laid eyes on my card yet . They said that was normal for them . And then I was told by supervisor over customer service not to use it for 72hours that they would fix the issue and my card would be back to new . It has been 7 days and I still have the fees and I get emails saying to pay the min fee to keep using my card. Which I never got the chance to use in the first place . I will be seeking professional help in these matters , hope this review helps someone from making the same mistake i did .

23 April 2026
Unprompted review

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