Credit One Bank Secured Card
No annual fee. Purchase APR 28.74–30.49%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“Annual Fee † : $0”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $50 | $50 |
| Typical spender | $95 | $95 |
| Heavy spender | $145 | $145 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
- Worth more to a typical spender than about 85% of the 49 cards on our Secured list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 1%gas
- 1%grocery and groceries
- 1%internet, cable, satellite TV and mobile phone services
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “Annual Fee † : $0” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Build or rebuild credit; card activity is reported to three major credit reporting agencies.
- The security deposit account earns interest.
- Contactless payment with EMV chip technology that guards against counterfeiting.
- Zero fraud liability for unauthorized charges if the card is lost or stolen.
- Manage the account, pay bills, view transactions and update preferences through the Credit One Bank Mobile App.
- Make secure purchases with Apple Pay, Samsung Pay and Google Pay.
- Customizable account notifications, including payment due dates, posted payments and posted activity.
- Ability to choose a new payment due date.
- Access to a free online credit score and credit report, plus factors contributing to the score.
Questions
- What is the annual fee?
- $0 Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 28.74–30.49% APR Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What credit do you need?
- Rebuilding creditonebank.com, since Oct 4, 2026
Other secured cash back cards with no annual fee
- Bank of America Unlimited Cash RewardsBank of America · No annual fee+$355 a year
- Bank of America Unlimited Cash Rewards SecuredBank of America · No annual fee+$355 a year
- Quicksilver RewardsCapital One · No annual fee+$355 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).