Credit One Bank Mobile App Review

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  • Our Rating: 5 / 5

Updated 02-10-2023

Version 23.02.0
Google Play Downloads 8,083,776
Developer Credit One Bank, N.A.
Screenshot From Our Credit One Bank Mobile Review


Credit One is a credit card app that allows users to open a new credit card in minutes. It's an online application process and all applicants are pre-qualified, so there's no need for additional paperwork. Credit One offers a number of different rewards programs that can help you save money on gas and groceries without having to fork over a lot of cash for them. For example, some of the best features include no annual fee, easy 24-hour account access through the Credit One mobile app, and excellent customer service from real people who will work closely with you if something goes wrong (like if you accidentally miss payment deadlines).


Credit One Bank is a digital-only bank that offers credit cards designed for people with limited or no credit history. You can apply for a Credit One Bank card directly through the Credit One App, which also serves as your account management hub.

Credit One Bank was founded in 2009, and it’s licensed by regulators in all 50 states across the U.S.. The company has grown steadily ever since, acquiring 2 million customers in 2018 alone. And although it doesn't have physical branches, Credit One has been able to expand its business thanks to its innovative approach to lending and customer service.



Credit One Bank offers a variety of features to help you manage your credit card. Here are some of the most important ones:

  • Viewing your credit score, balance and payment history. You can see all three elements of your report with no charge when you sign up for the app, but if you want to check it again later on down the line, you’ll have to pay $1 each month thereafter. The good news is that this price doesn’t increase over time as long as you don’t cancel service with Credit One Bank.

  • Making payments on time and getting cash back rewards for doing so. Every time someone pays off any amount towards their balance, they will receive 2% cash back rewards (up to $5) through Credit One Bank's "Cash Back Rewards" program within 10 days after making payments using their debit card or checking account within six days after paying off their bill online through the app or website; this feature can also be used with other forms of payment such as checks or money orders but it may take longer than usual before receiving any sort of confirmation from them regarding those forms being accepted instead - if at all!

Ease of Use

The Credit One app is incredibly easy to use, even if you're new to credit cards. The interface is extremely simple, making it a great card for newbies who may not know how these things work. The website does a great job of walking you through the process of applying for your first credit card and explains what you can expect from it.

Pros and Cons


  • Easy to use. Credit One offers a simple interface and a straightforward process for opening an account. It also includes several helpful features, such as a credit score calculator and an educational section that explains what your score is and why it's important.

  • Good customer service. If you have any questions about your credit card or the app itself, you can contact the company via email at anytime, day or night—and they'll respond within 24 hours during business hours (M-F).

Credit One is a solid credit card app but its usability it limited.

Credit One is a solid credit card app but its usability it limited.

Credit One is an especially attractive option for anyone who wants to get their first credit card and earn rewards. In addition, Credit One has a very simple and straightforward approach to helping you manage your credit score.

The only thing that's holding back this service from being perfect is the fact that there's not always enough information on each of the accounts listed in your report. That said, if you're looking for a flexible way to build or repair your credit record and earn rewards at the same time then Credit One may be just what you need!

Alternative Apps 

Credit One is a great option for anyone looking to rebuild their credit. But if it doesn't work for you, there are other apps that can help you keep track of your score in real time. Check out Credit Karma or WalletHub for similar services from different providers. Both of these apps provide free credit scores, and they also give you access to your full credit report.

The only difference is that they only offer checking accounts with a lender partner rather than an in-house program like Credit One. But if you're looking for a free way to track your credit score, these apps are great options.

You can even sign up for Credit One and use the app in conjunction with them. But if you're looking for a free way to track your credit score, these apps are great options. You can even sign up for Credit One and use the app in conjunction with them.


Credit One is a decent credit card app. It has plenty of features, is easy to use, and offers good rewards. However, its usability is limited because it's only available on iOS devices at this time. If you're looking for a new credit card then this app may be worth checking out!