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Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

 

Rated 3/5 stars by our editorial team

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Rated 3/5 stars by our editorial team

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Great For

Card Details

Regular Purchase APR

19.49% -25.49% Variable

Intro Purchase APR

N/A*

Intro BT APR

N/A*

Annual Fee

$0-$99

Credit Needed

Bad/Poor

Card Brand

Visa®

Highlights
  • Click "APPLY NOW" to apply online
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply 
  • Looking to rebuild credit? We report to the major credit bureaus monthly 
  • Accounts are automatically reviewed for credit line increase opportunities 
  • Make paying your bill easier with the ability to choose your payment due date, terms apply  
  • Stay in-the-know with customizable account alerts via email and text 
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
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 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 19.49% -25.49% 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 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 Not so Good
  • 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.
The Bottom Line

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.

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.

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