Rated 3/5 stars by our editorial team
Click the stars to submit your rating.
Thanks for rating!
3.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!
Credit One Bank® Platinum Visa® with Cash Back Rewards
Credit One Bank® Platinum Visa® with Cash Back Rewards
Great For
Card Details
Regular Purchase APR
17.99% to 23.99% Variable
Intro Purchase APR
N/A*
Intro BT APR
N/A*
Annual Fee
$0-$99
Credit Needed
Excellent/Good
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Card Fees
-
Balance Transfer Fee
N/A
-
Foreign Transaction Fee
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
-
Cash Advance Fee
Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater.
Ongoing Information
-
Rewards Rate
1% on eligible purchases, terms apply
-
Annual Fee
$0-$99
Expert Reviews
- 2.0 Regular APR
- 0.0 Intro APR
- 3.0 Fees
- 3.0 Benefits
- 3.0
/5 Overall Rating
From the CompareCards.com Editorial Team
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 re-establish your credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if you have a good credit history of repayments. That helps to bolster your credit score, too, especially if you are disciplined enough to use no more than 25%-30% of your available credit.
Cardholders are able to enjoy 1% in gas rewards with no cap on the number of rewards they can earn. Rewards will post to your account automatically each month. The minimun credit line is $300. Future credit line increases may be granted based on your overall credit performance. Another great benefit to this card is that it comes with free credit score tracking online.
Those who want to find out if they are prequalified can do so in less than 60 seconds after filling out an online form at the company’s secure site. With pre-qualification you are able to find out whether your chance of approval is high before actually submitting an application. There is an annual fee of $0-99, depending on your creditworthiness.
The card carries an APR of 17.99% to 23.99% 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 Good
- Card holders can earn 1% cash back on gas purchases with no limit to rewards earned. This card offers convenient features 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 Not so Good
- The annual fee can be as low as $0 or as high as $99.
The Bottom Line
The Credit One Bank® Platinum Visa® with Cash Back Rewards geared towards the consumer who needs to improve their credit score. This card does a good job of offering a full-fledged credit card with financial management and account oversight tools to help strengthen one’s credit.
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.
Consumer Reviews
(5 Reviews)
Offer Rating
3.0 out of 5.0
| 5 Star |
|
(0) |
|---|---|---|
| 4 Star |
|
(0) |
| 3 Star |
|
(5) |
| 2 Star |
|
(0) |
| 1 Star |
|
(0) |
+5 users submitted a rating without a full review
Be the first one to write an in-depth review!
There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.