Rated 4/5 stars by our editorial team
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4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!
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Those who always pay their balances in full and on time will usually come out ahead.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
Trusted & Secure
-
Empowering over
50,000,000 card holders Since 2005 -
Credit One Bank® Unsecured Platinum Visa®
- 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®
Card Details
Highlights
- Click "APPLY NOW" to apply online
- Seeing if you Pre-Qualify is fast, easy, and secure
- Get 1% cash back rewards on eligible purchase, terms apply
- Rewards post automatically to your account each month
- Automatic reviews for credit line increase opportunities
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Pick a card that fits your style. Multiple card designs are available, a fee may apply
- Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
- Your card includes travel accident and auto rental collision insurance from Visa®
Card Fees
Foreign Transaction Fee Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.
Balance Transfer Fee N/A
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Ongoing Information
Rewards Rate 1% on eligible purchases, terms apply
Annual Fee $0-$99
Additional Card Details
$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
Expert Reviews
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.
This is a versatile choice of plastic for those consumers who are trying to build or repair their credit. Not only does it offer unique features to help accomplish that, but it also delivers some additional perks and tools. Those include email and text account activity notifications, 24-hour online account access, travel accident insurance, an auto rental collision damage waiver, and zero-dollar fraud liability if the card is reported lost or stolen. For those who want to customize the appearance of their plastic, that is also an option. Just browse the images on the card’s website and pick your favorite. A fee may apply. You can also pick your own recurring payment due date.
Cardholders are able to enjoy 1% back on gas and groceries, terms apply. The Platinum Visa from Credit One Bank can be applied for online or when you receive a card membership invitation through the mail.
If you receive a pre-approved offer, you are almost guaranteed to qualify for a card. Those who want to find out if they are prequalified can do so within 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.
The card carries an APR of 19.49% -25.49% Variable Variable, which is relatively high, but is still pretty typical to other rates offered by many other cards today. 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.
Expert Reviews of the Credit One Bank® Unsecured Platinum Visa®
- 4.0
Regular APR
- 2.5
Intro APR
- 3.0
Fees
- 2.0
Benefits
4.0/5 Overall Rating
The Bottom Line
The Credit One Bank 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.
The Good
Card holders can earn 1% cash back on gas and grocery purchases, terms apply. 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 ranges from as low as $0 to 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.
Consumer Reviews
Offer Rating
4.0/5.0
2 Total Ratings
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+-1 users submitted a rating without a full review
Sort by:
141 Found this review helpful
By: Lily Harkness | Jan 4, 2017
I got this card when I was rebuilding my credit. Although the fees are high, it has helped me improve my credit score quite dramatically over the last several months. Now I can qualify for other cards
180 Found this review helpful
By: Autumn Cardenas | Oct 7, 2014
I absolutely love that their is no limit to the 1% cash back on gas purchases. The fees are a bit high though, so I am not quite sure if it is worth it in the long run. However, it can boost your credit score if you are smart about it. So, I would have to give this card only 3 stars.
203 Found this review helpful
By: travel dog | Sep 22, 2014
I actually got a much higher limit than i expected and the cards works :). Only down side high fees. I pay before the bill post to minimize the APR and fees. Its a way back to 750 :)
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