Credit One Bank credit card terms
Credit-card bank · 11 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Credit One Bank reported a surveyed purchase APR of 28.74% – 30.49% (median 29.99%) to the CFPB Terms of Credit Card Plans survey, across 11 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $39 – $95. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Credit One Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 28.74% – 30.49% |
| Median purchase APR | 29.99% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 32.49% |
| Annual fee | $39 – $95 |
| Late fee (median) | $29 |
| Secured card offered | Yes |
| Products surveyed | 11 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Credit One Bank did not report that field in the survey.
How Credit One Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Credit One Bank's median of 29.99% sits above the 21% national average APR.
Similar issuers (credit-card bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Credit One Bank (this issuer) | 28.74% – 30.49% | 29.99% | $39 – $95 |
| Merrick Bank | 21.95% – 34.7% | 29.49% | $36 – $48 |
| American Express National Bank | 18.24% – 29.24% | 27.12% | $95 – $5,000 |
| Webbank | 29.99% – 35.99% | 32.99% | $39 |
| Barclays Bank Delaware | 17.49% – 34.99% | 25.24% | $59 – $1,199 |
| Goldman Sachs Bank USA | 17.49% – 28.49% | 23.24% | — |
| Stride Bank | 9.24% – 35.74% | 20.49% | — |
Merrick Bank · American Express National Bank · Webbank · Barclays Bank Delaware · Goldman Sachs Bank USA · Stride Bank
Frequently asked questions
What is Credit One Bank's credit card APR?
Credit One Bank reported a purchase APR of 28.74% – 30.49% to the CFPB Terms of Credit Card Plans survey (median 29.99%), across 11 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Credit One Bank charge an annual fee?
Credit One Bank's surveyed cards carry an annual fee of $39 – $95. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Credit One Bank a good choice for a low APR?
Credit One Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by Credit One Bank (Credit One Bank, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29