- Click APPLY NOW to apply online.
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services†
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges†
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience†
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- †Terms Apply
- Rates & Fees
Credit One Bank® Platinum Visa® for Rebuilding Credit
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$75 for the first year. After that, $99 annually ($8.25 per month)
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Welcome OfferN/A
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Rewards Rate1% cash back
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Credit Needed
Bottom Line
The Credit One Bank® Platinum Visa® for Rebuilding Credit is a decent option for those in the midst of rebuilding their credit, offering the necessary features like reporting to credit bureaus and the perk of cash back rewards. Nevertheless, the high annual fee and APR are considerable drawbacks, making it imperative for users to meticulously manage their spending and balances to truly benefit from its credit-building potential without incurring unnecessary costs.
Our Take
The Good
The Credit One Bank® Platinum Visa® for Rebuilding Credit provides an accessible credit option for individuals with less-than-ideal credit histories, offering automatic review for credit line increases and reporting to the three major credit bureaus, which are essential steps in improving credit scores.
The Not So Good
This card comes with a high annual fee that can significantly reduce its cost-effectiveness for those already managing tight financial situations. Furthermore, its relatively high APR could make carrying a balance quite expensive, potentially complicating the credit rebuilding process for individuals who are unable to pay off their balances in full each month.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: N/A
- Balance Transfer Fee: N/A
- Penalty APR: N/A
Ongoing Information
- Rewards Rate: 1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
- Annual Fee: $75 for the first year. After that, $99 annually ($8.25 per month)
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®.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 05, 2026
We don't have a review for this card yet, but sit tight! There's one coming soon.
Expert Reviews of Credit One Bank® Platinum Visa® for Rebuilding Credit
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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