Credit One Bank Reviews 

1,383
TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Considering 706 reviews, most reviewers were somewhat happy with their experience overall. Customers generally find the process of applying for and activating their cards straightforward. Many appreciate the quick delivery of their cards and the ease of managing transactions and making payments. People also value the opportunity these products provide for building or rebuilding credit. However, some customers also noted concerns regarding unexpected annual fees charged immediately upon activation. While some reviewers reported positive interactions with customer service, others experienced unhelpful, scripted responses and difficulties resolving issues. Additionally, a few people mentioned issues with payment processing delays and the card not being accepted at all merchants.

What people talk about most

Payment

Customers consistently note ambiguous experiences with payment, with many reporting issues such as... See more

Customer service

Users describe ambiguous interactions with customer service, with many reviewers expressing frustration and... See more

User experience

Reviewers mention positive feedback about user experience, highlighting an easy and smooth process for... See more

Product

People report positive experiences with the product, with many expressing satisfaction with their new credit... See more

Service

Customers had ambiguous experiences with service, with some reviewers praising the excellent and quick... See more

Reviews shaping this summary

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.

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

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 advisor
  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

This company hasn't invited their customers, so reviews may not be representative

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3.5

All reviews

(1,383)

753 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

I had 3 cards the oldest 10 YEARS

I had 3 cards the oldest 10 YEARS! These people never give credit increases w/o charging you! They charge monthly fees on all cards. I relieved myself of them and paid them off in full. They never got one late payment out of over 200 pmts. But just to back stab people who cancel them they put on your credit file you paid 77% of your payments on time hoping to kink a deal with another bank. Imagine 660 late payments!!!!!! Who are they kidding? My credit clearly states not one late payment ever! But they throw that out to try and slander you. They don’t say any 30-60-90 latest just 77% of payments were on time . Liars , and scammers! Run don’t walk from these people.

31 December 2025
Unprompted review
Rated 5 out of 5 stars

Thanks a million Credit One Bank

Thanks a million Credit One Bank, the Birthday wish today made my 86th. Birthday complete. Really happy to be an account holder again, very anxious to do some happy spending with my new card. I am a very happy customer, and really appreciate my new credit card. Many thanks, Harold M. Piggott AR. 6/20/2026 17:22 hours. Very Happy Senior Veteran, USMC. and US. Army, Oh, forgot Navy Reserve when I was 46.

20 June 2026
Unprompted review
Rated 5 out of 5 stars

This company is an amazing

This company is an amazing, they care about their customers. This company provides great opportunities for their customers to have the ability to fix their financial needs. I truly appreciate how they look at every situation individually. I have had great experiences with this company.

20 June 2026
Unprompted review
Rated 1 out of 5 stars

Not American Express!

I have been a customer of credit one bank whom uses the American Express Logo and number but does not offer American Express customer service or experience. I was charged $433.97 from a previous company whom I closed an account back on October of 2025. This company went from Priority Meds to RXPros effective April of 2026. On April 24, 2026 they initiated and fraudulently charged my account $443.97, I contacted CreditOne customer service explained my situation. I told them I had closed the account and that I did not authorized the charge. Now, this company charged me, never rendered service, of mail any merchandise to me. I filled a claim and CreditOne investigated for three days and found in the interest of RXPros and denied my claim claiming the charge was valid. Now, keep in mind that I have not received a product, have been charged, and yet my claim denied. Now, American Express would have never complied with the merchant unless they verified I authorized the charge or that I received the product. This company carries the American Express logo, but they are not American Express, so if thinking about this card, look at a more reputable credit card company, this one is a big fraud!

19 June 2026
Unprompted review

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