The maximum credit line for a Credit One credit card is not publicly disclosed by the issuer, though there are reports of cardholders receiving credit lines as high as $5,000 on some cards. If approved for a Credit One card, applicants can expect a minimum initial credit line of $300 to $500.
Credit One Credit Card Limits
| Card | Minimum Credit Line | Reported Maximum Credit Line |
| $300 | $1,400 | |
| $300 | $1,500 | |
| $300 | $5,000 | |
| $500 | $3,000 | |
| $300 | $1,500 | |
| $300 | Varies, based on credit standing |
The exact credit limit you receive with a Credit One credit card will depend on which card you select and your overall creditworthiness. In addition, Credit One may periodically review your account for an automatic credit line increase, usually after you’ve had the card for at least 6 months. Credit One doesn’t release specific criteria for granting automatic increases.
How Annual Fees Affect Your Credit One Credit Card Limit
It’s important to know that if you’re approved, the amount of your credit line that’s available for spending may be reduced before you even use the card. Most Credit One credit cards charge an annual fee. If your card has an annual fee, it will be automatically applied against your credit line.
If Credit One’s maximum credit lines aren’t enough to meet your needs, focus on rebuilding your credit to the point where you can apply for a card with the potential for a higher credit line and lower fees.
This answer was first published on 11/28/23 and it was last updated on 04/18/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
