Credit One Bank is totally legit. They’ve been providing unsecured credit cards for folks with bad credit since 1984. They even scored a decent B+ rating from the Better Business Bureau. We get why some people may be skeptical. Credit One Bank doesn’t have any physical branches. Plus, their name and logo bear a resemblance to Capital One, which can make you wonder if they’re the real deal.  Note that both companies are legit and not related to each other.