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.

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.

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.