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 $95. The ongoing APR is 29.74% variable (as shown on listing). Rewards: Make your wanders even more rewarding with rewards points on eligible travel purchases and so much more.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.