Best Friends Credit Card

09/07/2026: The card has been discontinued

The Credit One Bank Best Friends is a rewards credit card designed for animal lovers and consumers with limited or fair credit who want to give back while building credit. Cardholders earn 5% cash back on select categories—up to $5,000 in annual spending—and 1% cash back on all other purchases, with 1% of eligible purchases donated to the Best Friends animal charity, making it ideal for socially conscious spenders. While the card has no welcome bonus, charges a 3% foreign transaction fee, and the annual fee is not waived in the first year, it offers practical features such as the ability to choose your payment due date and access to credit score monitoring. For individuals looking to support animal welfare while responsibly building or improving credit, the Credit One Bank Best Friends card combines meaningful rewards, charitable giving, and financial tools in one accessible package.

Issuer

Credit One Bank, established in 1984 as First National Bank of Marin and headquartered in Las Vegas since 1998, is distinct from Capital One despite visual similarities in logos. Focused on credit cards, Credit One Bank has garnered a negative reputation due to fees and limited services. While not a global giant, the bank serves millions of credit members across the US, primarily targeting those with poor or no credit history. Offering a range of credit card products, including cash back and points-based cards, along with high-yield certificates of deposit and savings accounts, Credit One Bank is criticized for its fee structure, notably monthly fees on some cards. Despite an annual revenue of approximately $1.5 billion in 2024, the bank's business practices discourage it as a preferred choice. Engaging in corporate social responsibility, Credit One Bank contributes to Affordable Housing & Homelessness, Employment Services, and Financial Education. Forming partnerships with entities like the Las Vegas Raiders, NASCAR, WWE, Vegas Golden Knights, and Best Friends Animal Society, Credit One Bank lacks physical branches, operating exclusively online. Committed to values like Excellence, Ownership, Integrity, and Collaboration, the bank is an FDIC member, ensuring regulatory compliance.

Spending Multipliers

Credits & Features