Bank One Visa cards offer low interest rates without excessive fees. These cards feature a low introductory rate of zero percent APR for your first six months as a cardholder. This makes Bank One cards ideal for balance transfers, as long as you're certain you'll be able to clear the balance within the six-month introductory period.

After the low introductory rate expires, the card still offers a low variable rate between nine and 14 percent. However, if you fall behind on more than two payments, your APR can grow to 20 percent. These cards are intended for customers with excellent credit. Although other customers may be approved, additional restrictions may apply.

Features of Bank One Credit Cards

Bank One credit cards don't charge annual fees, which can help you save more money. In addition, these cards offer a grace period of one month from purchase, meaning that you are not charged interest on any purchase for a month. If you can pay for the purchase within that time, you can avoid losing money. However, this grace period does not apply to cash advances, which beginning collecting interest immediately.

As a rewards program, Bank One cards allows customers to earn cash back every time they purchase gasoline. The total cash awarded is equal to one percent of every gas purchase. Bank One provides the cash in the form of a card that can be redeemed for goods and services at a number of gas stations.