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: Unlimited 1% cash back rewards on all purchases, Zero Fraud Liability, Retail Protection, special benefits and Amex Offers. Terms apply.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.