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 $39. The ongoing APR is 29.74% variable (as shown on listing). Rewards: 1% cash back rewards on eligible purchases of gas, grocery, and internet, cable, satellite TV and mobile phone services. Terms Apply.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.