Credit One Cash Back Credit Cards: Compare Rewards & Offers
Credit One offers several cash back credit cards designed for different credit profiles, ranging from rebuilding credit to excellent credit.
These cards provide varying reward rates, annual fees, and approval requirements, making it important to compare your options before applying.
Best Credit One Cash Back Credit Card Offers
Below are some of the current Credit One cash back credit cards and what they offer in terms of rewards, fees, and eligibility.
If you prefer to avoid yearly fees, you can also explore: Credit One no annual fee credit cards
Credit One Bank Platinum X5 Visa Signature® Card
This card is designed for applicants with average to excellent credit who want to maximize rewards in everyday spending categories.
- Rewards: 5% cash back on the first $5,000 in eligible purchases (gas, groceries, telecom), then 1%
- All Other Purchases: Unlimited 1% cash back
- Annual Fee: $95
- Credit Level: Average to Excellent
This is one of the highest-earning cash back cards offered by Credit One, especially for everyday spending categories.
Credit One Bank Omni Rewards American Express® Card
This card is geared toward applicants with excellent credit who want simple, high flat-rate rewards.
- Rewards: Unlimited 2% cash back on all purchases
- Bonus: $200 cash back after spending $1,000 in the first 6 months
- Annual Fee: $0
- Credit Level: Excellent
With no annual fee and a strong flat-rate rewards structure, this card is ideal for those who prefer simplicity.
Credit One Bank Premier American Express® Card
This card offers a balance of rewards and additional benefits for those with average to excellent credit.
- Rewards: Unlimited 1% cash back on all purchases
- Annual Fee: $0–$39 (based on creditworthiness)
- Credit Level: Average to Excellent
Cardholders may also receive retail protection and access to Amex-related benefits and offers.
Credit One Bank Platinum Visa® for Rebuilding Credit
This option is designed for individuals working to rebuild their credit while still earning rewards.
- Rewards: 1% cash back on eligible everyday categories
- Annual Fee: $75 first year, then $99 annually
- Credit Level: Rebuilding
This card combines credit-building features with modest cash back rewards on common spending categories.
Credit One Bank American Express® for Rebuilding Credit
This card is another option for rebuilding credit, with added benefits typically associated with American Express cards.
- Rewards: 1% cash back on eligible everyday purchases
- Annual Fee: $75 first year, then $99 annually
- Credit Level: Rebuilding
Cardholders may also receive retail protection and access to Amex Offers.
How to Choose the Right Credit One Cash Back Card
The best card for you depends primarily on your credit profile and spending habits.
- Excellent Credit: Consider flat-rate rewards like 2% cash back with no annual fee
- Average Credit: Look for category-based rewards or lower annual fees
- Rebuilding Credit: Focus on approval odds while earning basic rewards
Choosing the right card involves balancing rewards potential with fees and approval likelihood.
What to Expect When Applying
Credit One evaluates several factors when reviewing applications, including your credit score, income, and existing debt levels.
Some applicants may receive an instant decision, while others may go through a short review process before approval.
If you want to better understand how the full application process works, you can review the complete guide here: Credit One credit card application process
Final Thoughts
Credit One offers a range of cash back credit cards for different credit levels, from rebuilding to excellent credit.
By comparing rewards rates, fees, and eligibility requirements, you can choose the card that best fits your financial situation and goals.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.