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 $75 first year, then $99 annually (billed at $8.25 per month). The ongoing APR is 29.74% variable (as shown on listing). Rewards: Great for rebuilding credit, this card offers cash back rewards, Retail Protection and access to Amex Offers. Terms apply.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.