Credit One Bank Visa card is a good option for people who want to earn cash back on their purchases. It offers a variety of cards specifically designed for individuals with little or no credit.
Credit One is a legitimate credit card company that has been in business since 1984, with more than 5 million active credit cards. There are a number of credit cards available, some with no annual fee while others are aimed at specific categories like shopping or travel.
But there are a couple of things to consider when choosing a credit-one card. Included in this are the card's terms, conditions and grace period. Also, whether you need to pay interest for new purchases.
The grace period is a time frame that you are given to make your payment before interest begins to be charged. Call Customer Service if you want to know if there is a grace time on your card. However, it may not be obvious in the card agreement.
A grace period on purchases is different for each card. In general, you won't be charged interest on your new purchases until your next billing date. However, there are cards that don't offer this grace period and will charge you interest on purchases as soon they post to your account.
To set up a new due date for each month, you will need to speak to Customer Service. If you select this option, you will be able to pick a date six days either before or after your original due date.
Cash advance fees are another important factor to consider. Cash advances can be charged by some cards at no cost or for a low fee, but others charge more. There are also cards that charge foreign transaction costs, which can increase your international shopping costs.
Credit One Bank Platinum X5 Visa has a low annual fee and a very attractive rewards structure. This card offers a great rewards structure with a low annual cost, but it is important to make sure your spending habits qualify for the cash-back bonus rate.
Check out Credit One’s website to see if you have been pre-approved before applying. If you are, then the Credit One website will display all the terms and conditions of the card for you to review.
Credit One Bank Platinum Visa for Rebuilding Credit has been designed for people who have fair to bad credit. It has a low minimum credit limit and periodic reviews for increasing your credit line, so it can help you build a strong credit history.
The card has a welcome bonus of 10,000 points after spending $1,000 on eligible purchases in the first 90 days of opening the card. You can redeem these points for travel, gift cards or statement credits.