Credit One Bank

• Cash Back Rewards
• Other Benefits
• Credit Protection Program

Cash Back Rewards

In most cases, card members get 1 percent cash back rewards for eligible purchases. Some account holders get 1.1 percent back on dining purchases. Cash back purchase categories depend on your eligibility and your card, but Credit One Bank offers cards with cash back rewards in these categories where eligible:

• Gas
• Groceries
• Mobile phone service
• Internet service
• Cable and satellite TV service
• Dining purchases

Account members with the NASCAR Visa card get cash back rewards in these categories where eligible:

• Gas
• Automotive purchases
• Double cash back rewards on NASCAR.com purchases

All qualifying rewards post to your account automatically.

Other Benefits

In addition to cash back rewards, Credit One Bank credit card holders enjoy several other benefits at no additional cost:

• Apple Pay capabilities
• Travel accident and auto rental collision insurance
• Experian monthly credit score and credit report summary
• Zero fraud liability
• Customizable account notifications via text and/or email

Credit Protection Program

Credit One Bank offers an optional Credit Protection Program that helps make your payments if you experience involuntary unemployment or disability and includes a loss of life benefit. The program costs $0.96 per $100 of your new balance each month.

• Foreign Transaction Fees
• Credit Line Increase Cost
• Credit Protection Eligibility Requirements

Foreign Transaction Fees

With Credit One Bank, foreign transactions incur a fee of either $1 or 3 percent for each purchase in U.S. dollars, whichever is greater. This fee is problematic for U.S. citizens living abroad and is an important consideration for frequent travelers.

Credit Line Increase Cost

Credit One Bank automatically looks for credit line increase opportunities, which is useful, but a fee may apply for this service. The bank doesn’t specify if you can opt out of this service and its accompanying fees.

Credit Protection Limitations

Potential enrollees in the Credit Protection Program should be aware that if you work less than 20 hours per week you are ineligible for unemployment benefits. In addition, only the primary cardholder is protected and you cannot use your card while receiving benefits.