The Credit One Bank (Credit Cards) is a personal credit card from Credit One Bank (Credit Cards). Application typically pulls a credit report from Experian. The annual fee is $95. The ongoing APR is 29.74. Approval typically requires a credit score of Average-Excellent Credit or higher. Rewards: 5% cash back rewards on the first $5,000 of eligible purchases on gas, grocery, and internet, cable, satellite TV and mobile phone services each year, then 1% thereafter. Typical credit limit: $300 to $1,703. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. [SOFT PULL ONLY] | Foreign Txn Fee: Varies by card. Pre-qualification available (soft pull) | EXPERT REFERENCE (Dec 2025): $10,000 starting credit limit | EXPERT REFERENCE (Dec 2025): $0 annual fee | EXPERT REFERENCE (Dec 2025): 2% cash back on everything | EXPERT REFERENCE (Dec 2025): $200 sign-up bonus for spending $1,000 in the first few months | EXPERT REFERENCE (Dec 2025): Issued on the American Express network | EXPERT REFERENCE (Dec 2025): Targeted product, not publicly available | EXPERT REFERENCE (Dec 2025): Available through Credit Karma or targeted mailers