Credit One Bank Mobile 4+

Friendly App * Best Card with an Annual Fee

Credit One was my first starter card after years without a credit card of any kind. The reasonable annual fee is worth the perks that the card offers, for instance if i use it for auto rental fees they cover the upgraded insurance - not total insurance but the upgrade from your personal liability - and additional warranty on particular products purchased, & more. That was my agreement, others may vary. After about six months of timely payments i received offers for other cards without an annual fee, & lower interest rates. At the same time Credit One offered to increase my limit, offered another card with no fee & a higher limit, & lowered their interest on any balance carried, so they stayed competitive. Credit One’s customer service is first-rate, comparable to big-name cards. The app on my iphone is simple & user-friendly so I’m downloading it to my ipad now. Easy to use online with windows too. I’m an elderly retiree who considers myself technologically challenged so if i can use it almost anyone can. In summary i highly recommend Credit One especially as a starter card, for the credit-challenged, or if the perks make it worth the annual fee. I renew because their updates keep them competitive, and that how long your accounts/cards have been open is considered in a credit score - with Credit One being my oldest.

GREAT option for credit-challenged people

I've read reviews about poor customer service, lack of contact, etc...I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and LOVE them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there...and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One...and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.

Decent for starter card, app is basic

I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.

Developer Response ,

We're working to make the mobile app experience the best around. We'll share your feedback and suggestions with our app developers. Thanks for taking the time to let us know about your experience.