Credit One Bank Mobile

4.7 (1.6M)
155.9 MB
Age rating
Current version
Credit One Bank, N.A.
Last update
2 weeks ago
Version OS
14.0 or later
Try SplitMetrics Acquire Starter Plan
Free Apple Search Ads automation & optimization platform for growing businesses
Sign Up Now
SplitMetrics’ Apple Search Ads Benchmarks are based on

Apple Search Ads Cost Analysis Benchmarks for apps like Credit One Bank Mobile

Grow your app with SplitMetrics’ Apple Search Ads cost benchmark data on CPT and CPA, measured Worldwide.
SplitMetrics’ Apple Search Ads Benchmark Dashboard
Take a data-driven approach to scaling your Apple Search Ads
Get my benchmarks

User Reviews for Credit One Bank Mobile

4.74 out of 5
1.6M Ratings
1 year ago, TurtleWise
Friendly App * Best Card with an Annual Fee
Credit One was my first starter card after years without a credit card of any kind. The reasonable annual fee is worth the perks that the card offers, for instance if i use it for auto rental fees they cover the upgraded insurance - not total insurance but the upgrade from your personal liability - and additional warranty on particular products purchased, & more. That was my agreement, others may vary. After about six months of timely payments i received offers for other cards without an annual fee, & lower interest rates. At the same time Credit One offered to increase my limit, offered another card with no fee & a higher limit, & lowered their interest on any balance carried, so they stayed competitive. Credit One’s customer service is first-rate, comparable to big-name cards. The app on my iphone is simple & user-friendly so I’m downloading it to my ipad now. Easy to use online with windows too. I’m an elderly retiree who considers myself technologically challenged so if i can use it almost anyone can. In summary i highly recommend Credit One especially as a starter card, for the credit-challenged, or if the perks make it worth the annual fee. I renew because their updates keep them competitive, and that how long your accounts/cards have been open is considered in a credit score - with Credit One being my oldest.
Show more
4 years ago, Mikentucky
GREAT option for credit-challenged people
I've read reviews about poor customer service, lack of contact, etc...I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and LOVE them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there...and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One...and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.
Show more
4 years ago, Tiny Trish
Decent for starter card, app is basic
I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.
Show more
4 years ago, BassaBoy
Little improvement
Now when you log out of the app the finger print reader doesn’t auto launch itself so that when you touch the home button to close the app, you don’t accidentally log back in to the app. However the way this bank operates suggest to me that they have a vested interest in keeping you credit score down. For example if you pay off the full balance on your account hoping to see a zero balance on your credit file, you are wrong. The monthly fee for using the card which you can not pay in advance at the time you are paying off your balance is charge on the first day of the billing cycle which is the very same day that they update your credit report. So practically, it doesn’t matter how well you pay your balance in full on time, your credit file will always show a balance from Credit One. That small balance does have an impact on your credit especially when you are dealing with creditors who are looking at your credit file very critically either because of pass history or the reason for which you are applying for credit. Credit One is not the best card for rebuilding credit. If one is going to use this card because its the only thing available to them, one will have to very careful and watchful as to how the card affects their credit. The goal should be to get out as soon as possible.
Show more
2 years ago, rabit63
Lied to
My name is KevinLast month I’ve been a cardinal member for three months and they told me that I needed a bank on file and they told me that my debit card would work on file and I would not need to pay the four fee. I told them that it was recorded and that they needed to listen to the recording that I was lied to but they didn’t care that I was lied to Bj’s kept throwing it in my face but that wasn’t the rules I didn’t care that I was lied to by an employee they just kept saying I needed a check on file. That’s not a problem to get a check on file just let me know how I need to get a check on file the problem is is I was lied to by one of your employees. And what are you going to do about it I want you to listen to it and I want to know what you’re gonna do to the employee for lying to me and I want …to know what you’re gonna do about it and what you’re gonna do for me for that employee lying to me a customer. The manager did not care one bit that I was lied to she did not care one bit capital one does not care about the people they service at all I have read all of these complaints about capital one and they Do not care about the people they service I think capital One needs to go bankrupt personally because they are not servicing their people good at all I think everyone that owns a capital one Credit card should rip it up because I don’t recommend you own one thank you Kevin😎✝️🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🏃🏿🏃🏿✝️😎😎🇺🇸🇺🇸
Show more
2 years ago, ashlee147
Let me say this yes i was happy someone gave me a second chance after my bankruptcy. But this company is soo wrong for what they do to people! I was one day late, my due date was yesterday tuesday, i got paid today which is wednesday they literally charged me a late fee of 39$ for one day! Thats ridiculous!! Very uncalled for i havent decided yet if im going to keep this card because of that and not only because of that i had covid in january and my job did not pay me for the 2 weeks i was out so i fell behind on payments they do nothing to help me all they did was give me a headache calling me atleast 8-10 times a day and on weekends even after i spoke with a customer service agent!! Not only this but i recently paid the minimum due when i fell behind it was 69$ i bought my account current a few days after doing so i get a phone call from customer service saying i owed 69$ and i told her why is she calling me i already paid that and my next payment isnt til march 1st then the women on the phone changed what she was saying and said oh im calling to get the payment of 21$ thats due on march 1st mind you i recieved this phone call 5 days prior to it being due, i then asked the women doesnt she see in her comments or note box for my account that it was paid and she didnt say anything ! So to me that tells me there is no communication being done on accounts and with employees!! Smh if you can stay away id stay away from this company!!
Show more
2 years ago, Randy345908
Worst credit card by AMX
I’ve had this card for 10 months now and I still have issues with this card. The customer service is awful, lacking empathy if you need help, and uncaring responses to not be concerned with your needs. Charging fees if you have a problem that would be free by a reputable company. Charging a 15 dollar fee if you lost your card and have to right a letter to dispute a transaction, and then it takes 60 days to get a response from them, and if you wait 90 days the charge is final and can’t be challenged if you didn’t approve it. Having a issue is life, and this card is only for the bank. Be careful if you decide to get this card. Declining all the time and have 90 percent of my credit balance available to use, merchants take amx and have to call and see why? They redirected you to the app and chat with a robot only to talk about 9 topics and nothing related to getting help. Make 3 payments a month and you have to provide additional information on the bank sources and taking 3-7 days to post a payment. Get your 1 percent as a incentive and it automatically gets deposited in your account the next paid month but they keep the tally of it for 12 months. Very misleading and confusing. Definitely skip or bypass this credit card. It will happen to you. good luck and hopefully you won’t apply for this card. I’m paying it off and closing it out. Negative five stars
Show more
1 year ago, That Guy 589
Highly do not recommend. For anything
I’d give 0 stars if I could. I’ve had this card for a few years now. Never once provided credit increase but sends me a new card with a minor increase of $100 last week. Not only that they charge me my fees for the year before I receive my card in the mail or activate it. They said no charges are on it until it’s activated. Yet i have A $45 balance due already in the app. Called 5 times. System just hangs up on you if you can’t get through to operator. Even when you escalate managers are useless and don’t know what they’re talking about. I’m sorry. I’m such a nice person, feed the homeless and do what’s right in life. This company doesn’t represent that and will not negotiate nor work with you let alone know they’re own SOP (standard operating procedure). Once I get my new card in the mail, which they couldn’t tell me when and didn’t offer any shipping options, tell me when I should see it, nor provide tracking. I could go on and on with my review and I never write these things!! But this had to be done after my experience last 5 days and 10-15 phone calls. Avoid this company. Go anywhere else with real benefits and cash back. Not ones that BILL YOU & CHARGE YOU before you receive OR activate your card. I’m so disappointed in this experience. I’m paying my fees so it’s not on some sketchy report and closing my account. I can’t wait… bye Felicia…
Show more
6 years ago, Robynrae52
Robyn Terry PN
Besides the interest rate being too high, and I have never missed a payment on any of my accounts in over two years, this is not my favorite card. Not because the interest rate really, it’s puzzling to me why a standard payment online takes one week to show up on my account. I do not understand why, unless using the express payment makes them some extra money. Which it does because I have used it twice and the charge is over 5$ but less then 10$. The card was available when I needed it so I give it some credit. And I did get money returned to me immediately when a hotel double billed me. So that’s why I give them 4 stars and not 5. I have been ill for 10 days and I just made my first late payment on any of my credit cards in over two years! I was charged 25$. I will call and try and see if they will reimburse me the $25 since I was seriously ill and unable to do anything. I am disabled and am alerted on my phone so I won’t be late. When ill, I thought I had made my payment. I was on Med and very confused. So, unfortunately it was partly my fault. If you need a card and your credit rating is not the best but at least over 450, you might get this card. Thanks
Show more
5 years ago, maria27 work
The payment are reasonable the only reason I gave 4 stars is because the yearly fee are high didn’t expect that and once you activate the card you have to pay it no matter what, so once you activate the card you sign the agreement and when I order you the card they said pick the one you want they didn’t say that they were going charge me for the pink one, maybe it was a miss understanding, or I did not read it correctly but whatever the reason, I should of paid more attention, but over with all it’s a little EMERENGCY CARD, for whatever may come up, I did buy a pair of shoes for my daughter and it seem like I’ve been paying the price double so be careful what you get Your self into read read read all the rules for this card, The app is easy to use it’s easy to understand easy to pay you bill and you can split the bill in half if your payment are 25. The. You can pay 15. And then the other 10 later on in the month but everything has to be on time because they do report to major credit bureau and cc company’s..... it help build my credit scores so thanks for that. Sincerely,. Miss Maria,B
Show more
3 years ago, Captain Kurk Scott
Kurk. Texas
To whom this may concern: If you are considering putting in a credit application with Credit One Bank rest assured you will not regret it. Maybe you want to spread out your credit, or want to ‘REBUILD’ credit. This is the right place to be. I hit a few pot holes 🕳 in the road (not bumps / potholes) When I opened my account I scored mid to low 500’s on the credit score scale. EVERY month I watched my score go up 🆙 & ⬆️. As my score climbed my amount of monthly credit did as well. Please note 📝 I did everything I could to pay my balance on time & in full. NO!! I did not always pay my full balance every single month but a payment was made every month. Even then I tried to pay more than the monthly minimum. Ohh 😮. Yes I now have a credit score above 700 !!!!! This truly has been a blessing for me. I trusted Credit One Bank & I don’t regret it. I believe you can trust them too. Only you can decide if this is for you. I wish you good fortune in your journey. Respectfully, From Texas, Kurk Disclaimer : I have ‘Not’ been compensated in anyway for my participation in giving my experience with Credit One Bank. Kurk.
Show more
1 year ago, WellsOsborne
So Far So Good
I haven’t had this card very long BUT I can honestly say that so far it has been a great decision on my part. They sent my card quickly, verification and authorization of it was easy. Obviously using it is extremely easy since it is excepted anywhere. I have ALL the protections in place that I might need for fraud, lemon laws, defective item purchases. You can set up your due date to your own schedule which is nice. Making monthly payments is super easy if you choose to not set up auto-pay, which I would suggest setting auto-pay up!!! It’s for your protection, so that payment gets made, when things can slip your mind. I haven’t had this card that terribly long but supposedly after about 6 months or so they will raise your Credit Limit IF you make your Monthly Payments and they are On Time! So that’s really nice. I look forward to them upping my Credit Limit!! This card does boost your Credit Scores up rapidly as long as you are responsible with your spending and making your monthly payments on time. I’ll come back with any updates to this review as I continue my journey with this company. Like I said, so far it’s a great decision!! Thank You Credit One!!! Donna O.
Show more
4 years ago, ted fowler
Credit line increase
They were to give me a $5000 credit line increase on the two visa and MasterCard that I possess from the bank so until they got that done they waved all the fees on the account now they started charging me fees again which is costing me $20 a month to have the cards they were supposed to upgrade the cards in supposed to give a credit line increase as they have done either and now we’re back to charging me for having their cars I wish the credit one would wake up and do what they say they were supposed to do it’s been five months they waive the fees for five months they were supposed to do the credit line increase to $5000 for each card and waive all the fees so I have a new fee card this was never done Every time I login to see my offers they have nothing for me I am in the ED don’t even have the credit score is not even correct so I wish somebody that owns the company can call me and rectify all these problems like they said they were going to do and it has never happened my phone number they have on file and can give me a call!
Show more
5 years ago, Iroquois jr
Stay away from this cc company if you have options
This company will make sure your credit stays where you need them they have cause every problem I’ve ever had on my credit report due to there negligence and tactics... every time your credit rating is rising to where other cc companies are sending you offers this company always has some issue that brings you right back down to high 600 credit score. Anyone else experiencing these same issues with them? 3 times I’ve had losses on my credit score I have 4 cards and this one has always been the issue. Credit one canceled autopay (without notification) and caused me the one and only late charge in my credit report even though they waved it on there end because it was my first late ever. There account is reported as closed on my credit report and that they say has to be fixed between me and the credit bureau. I’ve reported it to credit bureau and they say there isn’t anything further they can do. Now I get a check from them that says it extends my credit line $250 I deposit this check and all of a sudden there is a $250 cash charge on my card plus the $20 they charged for the check. This company doesn’t seem to care that they are destroying your credit there goal is to keep your credit screwed up enough so that you need there card long term and you don’t move on to better companies with better apr and services.
Show more
3 years ago, Mom24monsters
Obviously, the developer who did this update didn’t even have half a brain cell.
My last review was last month around the same time. There was an update today, and they still have yet to fix the VoiceOver features so that visually impaired people can pay their bills without assistance. I was told last time that they would not charge me to do my payment over the phone that one time, but they would have to charge me after that. Is this credit ones new scam to get money from people? I asked myself this before I finally found somebody who would give me the one time courtesy of processing my payment because the morons who came up with this app can’t seem to figure out how to turn on voice over to make sure that it works, though it’s built into their device, comes to them for free, and there’s no reason for it not to work, or for them to release any updates that don’t work with voiceover! This app is not accessible, and should be polled! Credit one should also put all accounts having to do with visually impaired people in deferral until these problems are fixed, which means no interest can be accrued. Maybe, if they start losing money, they’ll actually find somebody who has a clue to start developing their app. Until then, the developer who is running on empty as far as brain cells are concerned, should be fired.
Show more
3 years ago, wildchildofgodbill
That couldn’t be smell more fishy if it was on a tuna boat in an Alaskan Harbor! When in your long and hectic life have you ever heard of a bank or a credit card company that WOULD NOT take money from desperate people trying to reestablish credit more than ONE time per month ONLY? Considering the current financial market we are in where peoples money comes sporadically and often at various times to where they have no control over when and how much they can pay their creditors, it would only make good common sense to allow people to pay what they can when they can because most people WANT to pay their bills and establish (or keep) their credit standing at a decent level, but how are you supposed to do that if the game is rigged? The people that set these rules obviously never had to choose between keeping that money that you were saving to pay the credit card bill, or buying food or medication with it. If you could just as easily pay the bill and be done with it, wouldn’t you? But if you’ve already paid a small portion previously, you can’t do that. So that money ends up getting used for necessities and your credit goes in the tank. Pretty common sense if you ask me.
Show more
3 years ago, redsquirrel21
Been with credit one for some years now (3-4) I think. But this is in regards to their app and the transactions you perform. The app, I always have to come back to it later. Every time I try to log in, app is under maintenance, not working, or I get error codes. I basically have to “try again later” when trying to see my transactions and available balance. In all my time with credit one, I’ve always hated their app. I don’t normally write reviews, don’t feel like it’s worth the trouble, but at this point! When you use your card it takes 5-7 days for the transaction to show on your statement. This also includes the update of available credit. Payments take 5-7 business days to process. I did an express payment since I had to get a rental. It took 2 days for the balance to update. When I called and asked why make people pay and say you will update balance immediately if that is not the case, I was told the rental company had my money. And until they refunded me they would update my balance. I hadn’t swiped my card at the car rental place. But according to customer service I had to wait on them. Terrible app service. Terrible customer service. Just all around 2 stars for the company as a whole. I gave 1 for the app. 3-4 years and still waiting for them to get up to date with a decent app.
Show more
4 months ago, jackpot jo
Easy to Navigate
The Credit One App is very helpful and easy to use to accomplish just about anything related to your credit card account. The only reason I did not give it five stars is because I believe that it should be a standard practice to allow for debit card payments FREE of charge because the interest fees are high already and charging $4.95 to use my debit card is an EXTRA slap in the face and is absolutely counterproductive when they are supposed to be giving me a hand UP by "helping" me boost my credit scores! Capital One does NOT charge a fee to pay with a debit card. I would rather pay the $4.95 toward my credit card balance. I have mental disabilities and to stay on top of my multiple card payments, I prefer to use my debit card to pay my credit accounts because the payment is immediately deducted from my checking account balance and this helps me stay somewhat organized and my bank account's available balance is shown in real time which also helps to prevent overdraft fees or a returned payment. Overall, the App is convenient, easy to comprehend, and extremely easy to navigate, it's truly worth the download.
Show more
6 years ago, jaxon86
Small deposit verification
I use the credit one app on my phone to take care of payments, looking at statements etc... recently credit one send out a bank verification confirmation that wanted me to input the small deposits that were deposited into my personal bank account, which is another security point, that’s fine, here’s the issue. I have 2 cards with C-one, so there were 4 deposits made to my account. When I “guessed” on the deposits made and entered the amount it said the amounts were incorrect and I had to try back in 24 hours- because I had 4 deposits to choose from I was never able to enter the correct amount, a payment was due and again I was unable to make my payment because of the small deposit verification was never completed. Nonetheless I had to call in and make my payment, I was on hold for 10 minutes before a rep being able to finally post a payment- I was still charged a late fee and a $5 over the phone payment fee, the rep said he would not refund the $25 late fee because I didn’t make the payment in time, well I couldn’t make the payment in time because the app was not allowing me too because of the added security issue of verifying the small deposits. I think that that added security is absolutely unnecessary especially if you have multiple cards- change the system in the app please!
Show more
8 months ago, Big Daddy Coool
my opinion
I really enjoy this app because it makes it easy to track your purchases. It also makes it very easy to make your payment and their fraud department Hass to be one of the best in the business because they are very protective of their card readers, and card holders and I appreciate that because I had a new card account and I paid my rent but it was declined by the company because it was the first transaction and it was large and they were making sure that there was no scam and I called them to let them know everything was OK and it was me and they said well the reason we did it was because it’s a new account and it’s a high amount and it’s like I totally understand and I appreciate the fact that they had my back. I know they’re looking out for their own interest too but I appreciate the fact they were looking out for me as a customer, as far as I’m concerned, I will be a lifetime customer they have earned my respect they have earned my trust and that’s not easy to say about a credit card company
Show more
7 months ago, GAB ENYAH
Features that are benefits needs work.
The experience with this card seems to be pay off every month in full. My experience is 78 points taken off my credit score when I had a balance. I paid way more than minimum balance. Cash advance when paid off 150. Other than that cash advance would be balance 7 , 8, or 60 bucks even thou my available credit available is over 150. Reports to credit bureaus are late or don’t reflect paid in full. At time I’ve paid twice in one month. But with all that all the mistakes on credit bureaus reports they don’t fix which is a report of lies or whatever someone who put info on your report. Example I’ve been retired disability over 20 years and credit bureaus has that I work. So in all credit one credit card is ok long as you pay off every month on time but still my credit score has not gone back up 78 points. Customer service sees the same thing as is on app. I can say the only month I had cash advance correct was the 1 st month I had the card after that only offered once again even though your credit availability is 3x the cash advance. Plus raising your credit limit is in investigation I corrected my income yearly and app automatically puts it monthly I have to check will keep you posted on that matter.
Show more
5 years ago, kaylinnn1234
Shady service
I accidently opened the account thinking it was my capital one just wanting to send me a new one 🙄 the reviews that are positive are no way real.. I’ve never heard anyone compliment credit one especially majority of users. I ended up keeping it cause figured people were exaggerating but they lower your score and make everything harder than it is, I don’t know if children are in charge or if people who weren’t born with morals and common sense did. 1)Everything pends for so long and when you just wanna pay it off you can’t you have to guess when it will pop up in the account.2)my score was high af till I got this card.. and I use it less and pay it more than my other ones. They keep you low to keep yur rates high and so you can’t change companies. 3)they copied capital ones logo on purpose, more than half of their users have done this.4)even the app is set up super weird and could be a lot easier to see the LAST transactions but you have to scroll to the bottom and sit and count what or sit and click every one to see the dates, it should just be included in the amount and be at the top-newes goes to the top. 🙄 5)they have to randomly confirm a bank account you always use when you wanna make a payment sooo basically you can’t pay on time. I could go on but don’t get the app and don’t get the card.
Show more
6 years ago, Bmendoza808
Payment Issues on mobile app
I have 2 cards on my account and I regularly login to check my balances and when my payments are due. I logged in this past week on the due date (27th of each month) that my bill was due to make a payment the same day, clicked on the correct card, made more than the minimum payment, double checked & paid it. I assumed it was going to apply correctly. Then when i checked my account the next day i seen that i was past due, a late payment fee of $25 was added to my account and was confused. I looked at my other card on the account which is due on the 14th of every month & it was applied to that card instead. I called customer service which in multiple instances they can’t ever understand what your talking about, barely speak English, and say they can’t do anything about it (how about a manager, a report or maybe even a dispute). This is very frustrating as I'm am always on time with my bills this pisses me off. That’s not it the same thing happened to my husbands account when making a payment to the correct card and then ended up showing as past due, a late payment was added & the payment was applied to the other card. Something has to be done either with the app or the company itself because i never have a problem when making payments from my online bank.
Show more
4 years ago, M.S Ca
What a joke! BEWARE This app literally does nothing!
I’m very grateful this company took a chance on me and helped me on the path to rebuild my credit.. However with that being said the App never works. Literally every time I try to login there’s a different problem first they were doing site maintenance, now its “unable to process right now try again later” then it sends you to their automated chat which is a circle of hell you can never get an actual live person to chat with, it’s just another useless circle of automated unhelpful crap! Another MAJOR ISSUE is the way they list transactions and post payments they do it in such a way as to really make it extremely behind/slow to post confusing and hard to maintain the account properly.. It’s not current it’s very outdated and takes forever to reflect payments. I just wonder if they do this so that they can charge more interest ... Im really starting to wish I never got this card! Seems like they are doing everything they can to try and prevent us from making payments!!! Just BEWARE **app developer response was kind and professional therefor I updated my review by one star. Will update again if/when issues are resolved.
Show more
6 years ago, K Dott
No Auto Pay!!!
The updated app is fine WHEN IT’S WORKING! It’s always down ....sometimes for days which is annoying severely especially when you’re trying to make payments. The other thing is they don’t allow you to schedule payments to be deducted at a future date. Every cc I have allows auto payments and future payments except Credit One. I’ve been late on my payment once because when I tried to make s payment the app wasn’t working for almost a week!. By the time the app was back up and running I had forgotten and my payment was pas due! If they would offer auto payments I would have been fine. I would close both of these cards if it wouldn’t negatively affect my scores. When I applied for these cards years ago I had only 2 other cards totaling $2k limit I now have over $100k in limits. I really don’t need the headaches that come with these 2 C1 cards. Low limits, high interest, NO AUTO PAY!!!!(get with the times!!), no future dated scheduled payments, terrible customer service. There’s just more headaches than benefits.
Show more
4 years ago, Bmxing85
App itself is great and easy to use. If we’re to review the app alone, 4ish stars. HOWEVER DO NOT OPEN ACCOUNT WITH THESE PEOPLE. I understand many tempted to open account with them because you’re new to credit cards or want repair credit are willing to try these guys. Let me say there are plenty other banks out there that will do this and not deceive you. You start by paying an Annual fee. After the first year after you pay another Annual fee, now the month immediately after you pay the 3rd year fee, but they do installments each month. If you don’t use this card at all and assume you’re in good condition paying the full year and then nothing after, don’t assume this. They hit you up and don’t even send you any notifications mail or email about this. It’s planned out to be sneaky and they know most their account holders will not use this card after the 2nd year, so they start to charge you the 3rd year fee after the 25th month. Avoid this card. They have terrible customer service, their lines of credit are terrible, and they advertise cash back on stuff, but there is like nothing out there that qualifies as cash back. Again Stay Away and if you don’t believe me, read other negative reviews and you will find others saying this same thing.
Show more
4 years ago, backpfg
Unbelievably bad service
I made my payment on time 5/28 but my card was declined numerous times but never able to connect or speak to anyone. Even though you say you have hours you literally just hang up on people. Get my statement, shows payment was made on time, but no available credit, clearly a mistake on your part but again communication with anyone is not possible. No phone, can’t get logged in on the computer...your bots are totally a one way deal. You can’t even communicate with the bots so I was forced to set up an app on my phone and lo and behold, all of a sudden it turns out that I do have over 500 available credit. Golly, gee whillakers...I wonder if anyone will apologize for the embarrassment I’ve endured. I’ve been trying to straighten this out since 3/28 with multiple denials. I’m 66 years old and I don’t do business on phone apps, I certainly don’t pay my bills on them. It is clear to me after trying to navigate your system for weeks that’s the only way you want to do business. I’m not sure that’s acceptable. I went ahead and paid my balance off. It’s kind of irrelevant, a card that you’re a good customer but you can’t use when things are really tough...well, what’s the point. But the issue is not being able to address it and get it fixed. That’s a problem.
Show more
3 months ago, Erato Calliope
Perfect? No. But neither is your credit so…
This is not at all the best opt for a credit card. However, if you’ve made some financial mistakes and are rebuilding or building new credit, you’ll be hard pressed to find an unsecured card with cash back options including national and local retailers. Sure the annual fee is a pain. But I appreciate the ability to access my funds immediately after payment. Many other credit card issuers for risky credit will wait 7-10 days for the payment to clear both banks. Credit One give you access immediately (pending a $5 fee of course but worth it when necessary). Overall pay your balance off, never get charged interest, and build your credit and you might access one of those fancy pants Amex “but not everyone takes it so why is it the best?” Cards. But until then, this is your best option for an unsecured card when you’ve taken a weedwhacker to your credit and require some much needed fertilization to your utilization.
Show more
5 years ago, NightRoosterCrows
Credit one app
We folks , it’s simple,painless,easy, and just downright tickles me silly over the fact that a child could do this simple process. I love that it’s so easy to navigate . I’m not much of a computer person and worry that I could make a mistake and it hurt my personal information or finances. But the process is simple and very understandable that if you double check before you submit your final payment options you will be fine ( it tells you to review your payment options before submitting it) . So for those that worry or just don’t trust internet payment options I say give it a shot I’m sure you will love its simplicity and gives you an ease of mind with a reference number as well as a memo or note that says payment made date and the amount . So there you have it folks but don’t just take my word for it scroll around read the others reviews and come on in and enjoy the simple life of easy payments with worry free . Now that’s life folks simple easy and just downright understandable. No tricks enjoy!
Show more
5 years ago, hamobean
False Advertising
My review isn’t about the app, but more the experience with this company. Just 3 weeks ago, Credit One allowed payment for a future date—even had a calendar where you can select the date. On April 21st, I scheduled a payment for May 2nd. The payment attempted to run the payment the same night (April 21st)! I got the declined notification from my debit card so assuming I must’ve entered the date wrong, I tried scheduling the payment AGAIN on April 25th, carefully selecting “May 2nd” from the calendar. Everything was set and yet AGAIN, it tried running the payment the same day! On May 1st, I log in AGAIN to make a same day payment but it would only allow the rapid payment for $9.95–REALLY?! I called to complain and the only thing the rep would tell me was that “future payment options are not available” despite me telling him that the website IN FACT DOES ALLOW IT. He ended up taking a payment over the phone and waived the $9.95 “Rapid fee”. Additionally, I was told I would NOT be charged a “Return Payment Fee”. Five days later (May 6th) I have 2 charges of $25 for returned payments?!? I’ve called to dispute this with a rep but only after 20 min of telling her the same thing about future payment option. She claims it’ll be reversed so we’ll see if they deliver on their promise.
Show more
5 years ago, creaturecat
The apt is limited
Unlike my American Express card. This credit one apt is limited and is not on the same level as other credit card apt’s. First of all it will not show notifications on my lock screen and it is a option in my settings! Second of all if I wanted to contact customer service through my apt I can’t do that.. but my Discover apt can! So what’s the problem with creditone? Third of all their need to be a complete history of your payments on one did and it needs to indicate when something is being taken out or the credit card is being used! It want even make a sound! Yes i set up notifications in the notification section! It still don’t work?! The transaction details should notify you whenever theirs a transaction or transfer immediately! But it don’t? Why don’t y’all check check out the Discover card apt and All it’s features? Get some pointers.. drop the pride! Get up to speed on this thing! After all it your customers that’s frustrated! I’m one!! Do you care?? When a purchase is made their isn’t a notification to inform you that your card has been used.. and the interest rates are too high! It need to be easier to see all of your purchases.. if you want to improve your apt the study the Discover card apt! Its pretty much perfect..
Show more
11 months ago, jessmac77
Best for maintaining good credit.
Previously, I had let my credit rating sink to embarrassingly awful. Worse, it wasn’t because of lack of funds, but rather forgetting to pay credit cards and bills. I was young, and busy being a 20-something, though I’m not excusing my negligence. After a decade or so of repaying debts, I began rebuilding my credit. Apps that notify me of upcoming payments, allow for automatic min payments and allow me to keep track of my spending at the touch of a screen are incredibly helpful to someone like me. This app, in particular, not only does all of the above, but it also sends me multiple reminders and notifies me of any interest fees I’ve incurred due to carrying over a balance. Requesting a credit increase is as simple as opening the app, answering a couple of simple questions and hitting, “submit”. Within seconds, I’m notified of the increase and able to utilize any funds. I am appreciative of this app and recommend it to anyone
Show more
3 years ago, Pgrammer26
Can I just make a payment?
Okay I’m going to try to explain the problems I have with Credit One. Maybe I’m just an idiot but I’ll try to explain it the best I can. So I have an annual or monthly fee whether I use the credit card or not. That’s fine. I get it. When the fee debits from my available credit, I pay it immediately. I have it set up where I receive an email alert as soon as the fee is posted to my account. The payment is usually debited from checking account pretty quickly so all is good right. No, no, Credit One still reports that I have a balance to the credit bureaus even though my balance was paid in full immediately. This really pisses me off. Now, Credit One is making me verify my checking account every time I go to make a payment. It takes 3-5 business days before my account is verified before I can make a payment. They will not allow me to use an alternate payment method until my checking account is verified. Keep in mind, I’ve already verified my checking account and I use said account to make multiple payments. What a freaking joke. This company is a set up from the start and they will burn you every chance they get. I highly recommend you do not use this company. They are a scam. Thank you for your time.
Show more
4 years ago, bonnmark05241961
Thank you CreditOne!
I am posting this review for two reasons - First to say a big THANK YOU to the folks at CreditOne for their awesome service and liberal credit policies. In as little as 3 months I was awarded a large credit line increase simply for paying my bills on time and being responsible with the credit they graciously allowed me! I was ecstatic to learn of this increase at such a time as this when there is so much uncertainty in the world and I actually needed the credit as I had recently almost maxed out my available credit to provide for any quarantine. Secondly, I have noticed plenty of negative reviews about this company, yet the ONLY negative that I have experienced was not being able to pay my bill more than four times within 30 days. However, this is understandable, as they are in the business to allow some interest to accrue on the account. It’s simply good business sense. Kudos to you CreditOne for helping me to build my credit future!
Show more
3 years ago, TRecordHerbalife
Please fix bugs
The app WAS working fine when I originally got my two credit cards last year. Some time after that they completely redid the app. I now get kicked off and have to log back in CONSTANTLY. Literally every time I log in. I had a payment due on Friday and became so tired of it kicking me out (5 times. 5 times the app kicked me off “due to inactivity” while trying to make this payment) went online, website told me it was down. Of course my frustration led to me saying “eff it” and today I got an email reminding me I now have two past due payments. It only kicked me off 4 times this time before I was able to complete my payment, but considering how hard I have been working on my credit score this past two years I am so not ok with this. I have canceled my cards because of the app and website issues. I DO pay my bills on time. I WANT to be able to pay my bills on time. I should be ABLE to do that in 2021 without having to call customer service or send in a check. Everything else with the card was great. And would reconsider credit one down the road when they fix these bugs.
Show more
6 years ago, Crystal Michells
Never updates
This rarely updates to real time to show what I’ve spent. For the longest time it showed I had a bill for July due (July 26th) however I paid this mid July. I’d go to pay and it say minimum payment was 0. Ok, we can see I have made the payment and it hasn’t updated. At some point it showed my last purchase went through. However, apparently this wasn’t reflected on my balance summary because I log in today and am “past due” and over the limit. A. How can I be past due when the new date of payment is August 26th (FYI this is a future date???) and I’m past due when before I still had money left and my last purchases had went through. I keep up with the amount I owe, I didn’t know it’d be such a hassle to ask the company to do the same. Pretty sure some random “fees” go through to push me over my limit every time. I wish I would have looked into more credit cards instead of being young and dumb and accepting this stupid offer because the fees are ridiculous and rarely ever is the account kept up to date with how much has actually been spent and how much is still actually left on my card. Worst credit card ever. So ready to pay it off and get OUTTA credit one’s scheme path.
Show more
4 years ago, mrs_ace18487
I do not recommend
This card is deceiving. If you call the number on the back of the card it immediately sends you to a survey and unless you hang up you can’t refuse to complete. I had to look a different number up online and when I finally was able to speak to someone, unfortunately , we had a lot of trouble understanding each other. When I told the lady I wished to cancel this card because I decided I did not want it she told me there would be reoccurring charges if I did. I asked her to explain to me how it would be possible for them to charge me monthly for a card I only possessed for three days and never activated. She said because I am canceling the card and all she could do is void the $75 annual fee I owed them. If this makes no sense to you reading this then you understand how I feel. I still don’t understand what happened and to be on the safe side I kept myself logged into their app and I check it every single day making sure nothing is being charged to my supposed to be closed account. I’m so worried this card is going to ruin my credit. I wish I had never applied. The $75 balance for the annual fee final came off so I am hoping I get out of this without any problems.
Show more
2 years ago, Declaim gaudiest
Stay awayyyyyyyy , very unprofessional
I actually got this card because I seen a letter in the mail , I didn’t know if it was legit or not so I tried it , and ended up getting the card . My first time using the card was yesterday , that was when it was fully activated also.. I made a simple purchase at a gas station and the card worked . Mind you this is all in a mist of 3 hours . I tried to then use the card at another store and it declined . I got the text to see if it was me , I responded with yes and it told me I could now try the purchase..Still declined . I then get a text that says I can’t use the card and to call the number , I call the number LITERALLY VERIFYING ALL MY INFO BEFORE THEY CAN EVEN TALK TO ME, they then say my account is on hold and that they need verification of my driver license and utility bill I’m order for them to say anything to me . Also there’s no way to kno these things unless you call , it doesn’t show on your account , the app updates super late , it’s just very unprofessional, also to remind you guys , THIS ALL HAPPENED IN A TIME FRAME OF 3 hours . It’s crazy to me cause idk what I did wrong or how it even happened and they won’t tell you anything .
Show more
6 years ago, Dadafafahideh
It’s an amazing card at first! Please read!
I was very skeptical signing up for this credit card at first. I read online that they were a terrible company to deal with. But as long as you stayed up on your due date, the $10 express payment isn’t an issue. However, I’ve had a MC for over a year, and the VISA for a year and 6 months. I encountered a problem where they kept returning my CC payments and I would eventually become over on my balance (got laid off for several months so I hit a hard time on my balances). After contacting my bank, there was no attempts to withdrawal my payments. I called and they made a real good attempt to fix the problem. Waived my fees, interest, and annual payment for the month it was messed up. The next following statement they re instated all my charges!! I called and asked why that happened, and the lady told me there’s nothing they can do even though the person I talked to last corrected the problem. I argued and fussed but they just wanted the money they waived back! So in the long run they screwed me over and didn’t do anything to fix it. Beware, they’re sneaky! I no longer have either of the two accounts I held with them. Not worth the problem.
Show more
2 years ago, evybjjjukpattttt
The Worst Customer Service known to man
I was offered to upgrade my card design NOT a replacement for a small charge which I opted for WITHOUT knowing I wouldn’t be able to use my current card that I have in my possession for 7-10 business days (until I receive the card with the upgraded design). I spoke to 5 different reps and 2 managers with no help other than “these are our procedures”…Makes a whole lot of sense to update your records prior to a card even being activated or even received by a consumer. On top of wasting over an hour of my time talking to idiots who are reading from a script and can’t actually help me solve an issue. So I have a perfectly good card in hand that I can’t use for another week since they’ve updated the information on their end after JUST shipping the “upgraded design” out yesterday. Waste of time & patience. If I knew this was going to happen I never would’ve opted for the new card design. They think by telling you the same thing over and over and over that you’ll give up even though it literally doesn’t make sense why card information was updated without the new card being activated
Show more
1 year ago, JaJo16
Poor expectation set
It’s ridiculous to have to pay a fee to pay a balance with a debit card via the app. There is absolutely no justifiable reason for this fee. I just received the card and clarified payment arrangements with a rep with credit one (likely outsourced). She made it clear that the $4.95 processing fee was over the phone and waived through the app. I paid my bill at 10:30 PM and chatted with a bot that claimed to be a “live representative”. Is this the guise used to justify a processing fee? If there is a fee, then make it clear up front when your reps are asked that direct and specific question. I’d cancel the card, but that would just hurt my credit. I guess I’ll keep it open and not use it, probably pay stupid fees, and utilize my credit card from my reputable credit union that has transparency with their practices. I’m sure if you choose to pay with a bank account, the payment would post conveniently after the account would accrue interest. Good luck to those trying to build credit smartly and reduce or eliminate interest payments. I’ve not even seen my first billing statement yet and I already regret opening this account.
Show more
6 months ago, angel_taylor
Great for people with poor credit
Although this card is great if you have poor credit, please be smart when using this card. It arrived very quick. About one week. The APR is high, so obviously you shouldn’t spend more than you can pay back. IMPORTANT: DON’T wait until your payment is due to add your bank account. The verification process took about 2 weeks for me. Thankfully I went ahead and started that as soon as I got approved for the card. I used about $500 out of my $600 in available credit. Minimum payment for me is $30 in case anyone is wondering. Making sure you’re able to pay off your full balance as often as possible is going to be your best bet when having this card. That is, if you plan on not paying them hundreds, if not thousands more than what you spend on the card. LSS: The card is great. Don’t spend what you can’t pay. ADD YOUR BANK ACCOUNT ASAP.
Show more
4 years ago, Tricia G AAT
Credit One App
Fairly easy to use- quick and easy. I however find one fault- making a payment utilizing your express payment truly makes no difference in when my credit becomes available. Why would I pay nearly $10 for such a service? The funds are deducted from my account the very next business day- why would I need to wait an additional 10 days for that amount to be available to me when I have a very good payment history? It has made me utilize my other cards more frequently. I understand interest is how you make revenue along with fees - I tend to pay my cc off prior to getting a statement and then possibly get an interest charge of 6 or 7 dollars - I pay it right away so as someone who values your discounts etc I would prefer to have that access when you receive your $. Also speaking with a customer service rep is nearly impossible and not highly recommended . The app is the way to go!
Show more
6 months ago, NF428
Good Credit Card
This card does have an annual fee, but it is a great card to build your credit after credit damage…this card has helped me build my credit over the last 2 years…also issued me another card, that helped a lot as well…they have raised my limit due to always paying on time, so it has helped establish credit to get a better card…I fought my way up from 400 scores to around 700 in a very short amount of time…just remember, don’t run you balance up…this card works just like any other card, if you are trying to build credit…use it and pay it down, leaving only a small balance…pay at least the minimum, plus one more small payment a month to build credit fast! Thanks Credit One, you’ve helped my situation out and still continue to help me build my credit to be able to get a card without and annual fee!
Show more
7 years ago, Wyldraider
Great app!
I enjoy having an app on my phone to be able to pay my card through. It sure beats writing a check and paying for stamps just to send a payment. And, with criminals now using some sticky substance, to catch your mail, when you drop it in the corner mailbox. As for some reviews, that I've read about them complaining about the time it takes to show that it has posted to their account. I say, maybe, do as I do, and pay online and have a log book to log your monthly payments into each month. My only gripe is that I've been on time 100% since I've opened this account, but I've never received a drop in my interest rate. I have received a credit limit increase, but still to this day, I've not received an APR reduction. Other than that, I'm a very happy customer. But, if I was Credit One, I would lower interest rates for clients that have such a stellar on time percentage! Which with me, that's 100%. Keep up the great app Credit one, it's quite handy!
Show more
4 years ago, aflyn001
Made too many payments?
I was unable to process a payment on the app or website - I figured maybe it was an issue related to shortened manpower due to the world pandemic. No, the customer service agent said I made too many payments in a billing cycle and I would have to wait til the next cycle before they could let me pay it again. I filled up my gas tank, and paid it off as soon as the charge cleared...I bought a couple other things and followed the same process- I paid it off. I swiped the card a 4th time this month, and the “make a payment” box was greyed out. When they told me I would have to wait to make a payment, I lost it. What kind of business model suggests that - if a customer wants to make a payment, don’t accept it... wait for the money...? I know you want interest to accrue, but seriously?! I’ve never had a credit card company tell me they won’t accept a payment. I’m going to pay this off and be done with it. I’ve never been so frustrated with a credit card before. I wanted another revolving line on my credit file, but this is ridiculous. I’m not going to deal with a debt company who refuses to accept payments.
Show more
5 years ago, Kari1925
Bad bad and again bad app/bank
At the first of the month I like to go online and pay my bills that coincide with my paycheck, so now I’ve just decided I’ll go online and I’ll pay all my bills so that I don’t forget and then I don’t have to do it again. So my due date for Credit One is 5/21 clearly states that when make a payment in big bold numbers, due date 5/21, so I submit my payment thinking it will for 5/21 and oh guess what it actually gets submitted for today, 5/5. I have never had a Problem with submitting my payments early and being able to have it actually submit on the due date. Store card, bank card, any kind of credit card you can change the the date that you want it submitted it doesn’t always submit today. I’m just livid and how this app works. So I called them, wanting them to cancel that payment so that I can re-enter it on 5/21 or thereabouts so that I don’t get a late charge. Sorry we can’t cancel your payment it’s already submitted. So I go into a tirade because I am so upset and I just want to cancel this account. There is nothing they can do. I will cancel this account as soon as I pay off the balance. So bye-bye Credit One
Show more
1 year ago, zzperrone
Worst Credit Card Company Worst Bank to work with
Honestly, this bank is nothing but a scam. This is not a real credit card, the people that answer the phone are people in another country over a 20hr plane ride away stealing all your information when ever you call in. This company WILL shut your card off if you use it responsibly and don’t let is acquire interest. If you are not acquiring fee’s your card will be shut off for most of the month for a fake reason they come up with. In the worst situations after going shopping or traveling, during the holiday, this trashy company decided to shut off my card after making a $300 payment and paying off the balance. For this, they claim they need to make sure they got the payment, but the money came out of my account 4 weeks ago. If you’re looking for your first card, or something to build credit. Go to your local bank and open a secured card. This card is not worth the fee’s plus you can so seldomly use it with the trash service they provide. Run and do not fall for credit karma’s guaranteed approval. This credit company is trash
Show more
2 months ago, Rarely Report
Seriously sub standard
I was approved a card almost a year ago to help build my credit & that's been going well. Due to my credit improving they pre approved a new card with a higher limit so I accepted. They sent the card & then I activated the card via my app. However the card did not work. I called customer service ( what they call customer service ) only to be told I need to prove my ID & submit verification ???? Really. You pre approve me & send me a card then ask for verification. Sorry but that is simply dumb. I was given various reasons all were lies but I’ve never been sent card in my life without verification done first ( if required) . I could have easily verified & sent proof of the information they wanted but was so dumbfounded by the what they did I cancelled it. You should have done that first guys. Can’t trust a company that’s so discombobulated it has no idea what it’s doing. What’s stupid is my original card is valid with all the same information & functional. Never again in time I will cancel my other card also then never use them again. Sorry but what they did was idiotic.
Show more
2 years ago, kmosgirl86
Nothing "express" about express pay!
Express pay rarely works on the app, and I have to go to the website to make my payment. There have been so many times that I have literally had to message repeatedly to the agent that's supposed to be helping me, saying hello?... a few minutes go by.. hello?? When they finally come back and ask for the last four digits of my Social Security number, then I have to wait again! I don't know if your agents are trying to multitask and biting off more than they can chew? But I'm really sick of paying you $4.95 to make an express payment when I am sitting and waiting on responses from customer service to be able to make said payment! Sometimes people actually are in a hurry, and I find it very bad business practice to make people pay for something that is literally inconveniencing them. Your customer service really needs an overhaul. And so does your app! I love the card, and I love the ease of use and you've never giving me a hard time about my credit limit. But your quality of customer service leaves much to be desired, as does your app.
Show more
Show more

Popular Apps in Finance

Try out our free Starter Plan of SplitMetrics Acquire and optimize your Apple Search Ads campaigns
Enjoy 2x ROAS and 4x conversion growth. Get started now. No credit card required.
Create free account