The Credit One Bank, N.A. is a personal credit card from Credit One Bank, N.A.. Application typically pulls a credit report from Experian. The annual fee is No annual fee. The ongoing APR is 29.74% variable (as shown on listing). Rewards: Enjoy unlimited 2% cash back rewards on all purchases, Retail Protection, and access to Amex Offers. Terms apply.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.