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3.0/5.0 from 12 Offer Ratings
Over the Past 60 Days!
Late Payment Fees Up to $37
Foreign Transaction Fee 3% or $1.00, whichever is greater
Balance Transfer Fee N/A
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Returned Payment Fee Up to $35
Rewards Cap No Cap
Rewards Rate 1% on eligible purchases, terms apply
Annual Fee $0-$99
Purchase Grace Period 0 or 24 Days (see terms)
$0 Fraud Liability Yes
Auto Rental Insurance No
Extended Warranty Program No
Roadside Assistance No
Purchase Protection No
Travel Assistance No
Flight Accident Insurance No
Lost Luggage Reimbursement No
Concierge Service No
Credit One Bank® is one of America's leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
The main benefit of this particular card is for helping establish or reestablish credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if your track record for payments is good. That helps to bolster your credit score, too, especially if you are disciplined enough to only use a maximum of 25%-30% of your available credit.
Cardholders are able to enjoy 1% in gas rewards with no cap on the number of rewards, which post to your account automatically each month. The Visa Platinum from Credit One Bank can be applied for online or when you receive a card membership invitation through the mail. Your credit limit will be based on your credit worthiness and may be as high as $1,500.
The card carries an APR of 16.15% - 24.65% Variable, which is in the higher end of the spectrum, but is still pretty typical. There is, however, a rather high annual membership fee – something that is also a common feature among many cards that are marketed to people with less than stellar credit.
The Credit One Bank Platinum Visa is geared toward the consumer who needs to find a card that will give them the tools necessary to improve their credit score and credit history. In that respect the card does a good job of offering a full-fledged card with several financial management and account oversight tools to help strengthen one’s credit.
Card holders can earn 1% cash back on gas purchases with no limit to rewards earned. This card offers several convenient features designed to help you manage, monitor, and improve your credit. You can also choose your own card design from the card issuer’s gallery of images.
The annual fee can be as low as $0 or as high as $99. There is no fee charged when you make a standard payment, but you’ll be charged $9.95 if you use the Express Payment option.
Editorial Note: This content is not provided by Credit One Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Credit One Bank.
12 Total Ratings