Finally, a debit card that rewards you for your lifestyle.

Now, let’s get straight to the points.

Get more out of your everyday purchases.

Use your ONE VIP 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.

Get Yours Now


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


Get paid up to 2 days early when you direct deposit your pay.


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 Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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 credits to your ONE VIP bank account. Make a charitable donation to a worthy cause benefiting communities of color.

Mobile banking made 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. 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:


For all matters related to ONE VIP Rewards: