ONE VIP Visa Debit Card – The Unapologetically Black Card that rewards you for your  lifestyle.

Get more out of your everyday purchases.

Use your ONE VIP Visa Debit card for all your qualified everyday purchases and earn extra points by spending with your favorite brands and select Black owned businesses. From groceries to fuel, utility bills and ride shares, to your favorite entertainment streaming subscription services, get more out of your everyday purchases.

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$4.95 per month. Boom. No minimum balance, no overdraft fees. Ever. For a full list of fees, see our Terms & Conditions.


Don’t wait for your paycheck. Get paid up to 2 days early when you direct deposit to your pay or benefits to your One VIP Visa Account1. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available — which is often up to two days before traditional banks.


Deposit cash directly at participating retailers nationwide. Use the VISA Readylink locator in your app to find a location near you.


Earn up to 1.5% cash back for spending at your favorite merchants, online retailers and subscription services.


To whom much is rewarded, much is required. Use your points to benefit charities doing great work in urban communities.


Set up automatic transfers from your primary checking account to your ONE VIP account.

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

ONE VIP is digital banking that rewards you for a life well spent.

Spend with some of your favorite brands and earn points. Easy as that.

  • $4.95 per month
  • No hidden fees
  • No credit check
  • No minimum balance
  • No overdraft fees

Earn 1 point for every $2 spent on every day purchases. Earn 1.5 points for every $1 spent at your favorite brands like Netflix, Uber, Sephora and at select Black owned businesses. Your reward points never expire. Apply your cash back rewards to your ONE VIP account. Make a charitable donation to a worthy cause benefiting communities of color.

The ONE VIP APP makes mobile banking easy.

Quickly and securely sign in to our app. No need to type in your passcode when you can use your fingerprint. Whether you want to check your balance, access your rewards points or deposit a check, our mobile app has you covered.

  • Manage your money on-the-go
  • Add your ONE VIP card to your digital wallet to make in-store, in-app or online purchases using your phone
  • Choose alerts to monitor everything from available balances to unusual card activity
  • For simple and secure deposits use our mobile check deposit feature

Earn up to 1.5% cash back for spending at your favorite merchants, online retailers and subscription services.

Learn More About Rewards


Life can be complicated. Navigating finances can be even more complicated. That is why Urban One created the ONE VIP Debit Card. Our aim is to connect people with money, values and experiences. We believe in de-bunking negative narratives around money, simplifying daily money matters so we have more time for life's rewarding stuff.

We're a trusted brand with values rooted in consciousness, community, transparency and fun. We're on a mission to empower people to live happy, well-rounded, lives.

Bottom line, the better people feel about their finances, the more they'll be inclined to pay it forward.

Our mission at Urban One is to be the most trusted source in the African-American community that informs, entertains and inspires our audience by providing culturally relevant integrated content through our radio, television, digital and financial products. Despite the medium; TV One, Radio One, Reach Media, iOne Digital, One Solution or the ONE VIP Visa Debit Card Program, we work to represent a people whose impact has touched every fiber of American life. That’s what makes us experts. We are creators and distributors. We are developers and executors.

Make everyday more rewarding.


For general card related questions or customer service:


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