Our illustration in the card’s colours, not its design
Credit One credit card
Credit One Bank Secured Card
- APR down · 29.74% to 28.74% · Oct 4, 2026
No annual fee. Purchase APR 28.74–30.49%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB
“Annual Fee † : $0”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Rebuilding
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $50 | $50 | |
| Typical spender | $95 | $95 | |
| Heavy spender | $145 | $145 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$50a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$95a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$145a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 60% of the 732 cards we track.
- No annual fee, like about 90% of the 50 cards on our Secured list (see the list).
- Worth more to a typical spender than about 75% of the 50 cards on our Secured list (see the list).
Other secured cash back cards with no annual fee
- Cash Rewards Secured Credit Card from Bank of AmericaBank of America · No annual fee+$385 a year
- 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
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 1%
- gasgrocery and groceriesinternet, cable, satellite TV and mobile phone services
Cash back, as a share of each purchase.
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.
All 9 benefits
- 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.
Changes
- Oct 4, 2026 APR 29.74% to 28.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB “Annual Fee † : $0” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Rebuilding (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · Reported to the CFPB, 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