- Sign-Up Bonus
- 0
- Spending Multipliers
- 0.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Credit One Bank Secured is a secured credit card designed for individuals with limited or poor credit who want to build or rebuild their credit while earning rewards. Cardholders can earn interest on their security deposit and receive cash back—1% on essential categories like gas, groceries, mobile phone, internet, cable, and satellite TV services —making it a strong option for disciplined spenders focused on everyday essentials. While the card has no welcome bonus and charges a 3% foreign transaction fee, it offers practical features such as the ability to choose your payment due date and credit score monitoring, helping users track and improve their credit. For consumers seeking a structured way to establish credit while earning rewards, the Credit One Bank Secured card combines security, incentives, and credit-building tools in a manageable package.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Credit One understands that if you are rebuilding credit, your credit score isn't quite where you'd like it to be
- This could be because you're just starting your credit journey or you've encountered unexpected setbacks
- However, you can check if you are pre-qualified before applying
Fees
- No Annual Fee
- $1 or 3% Foreign Transaction Fee (which ever is greater)
- Up to $39 late fee
- Up to $39 return payment fee
- 29.74% Variable APR
- 31.74% APR for Cash Advance
- $5 or 8% of each cash advance amount (whichever is greater)