Last Updated: 07/28/2025
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 06/27/2023)
Credit Score Range
650 - 850
Annual Fee
$39
Credit One Bank® Platinum Visa® Review
This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Platinum Visa® is the right card for you, read on.
Key Takeaways
- Get rewarded for purchases you make every day! Earn 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Credit One Bank® Platinum Visa®
| The Good | The Bad |
|
|
Credit One Bank® Platinum Visa® FAQ
Does Credit One Bank® Platinum Visa® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Credit One Bank® Platinum Visa® have a signup bonus?
Yes. Get rewarded for purchases you make every day! Earn 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services.
Does Credit One Bank® Platinum Visa® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit One Bank® Platinum Visa® benefits?
Credit One Bank® Platinum Visa® provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit One Bank® Platinum Visa®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Credit One Bank® Platinum Visa® has a variable purchase APR of 25.49%. Credit One Bank® Platinum Visa® does not offer balance transfers. It also has a variable cash advance APR of 25.49% .
Does Credit One Bank® Platinum Visa® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Credit One Bank® Platinum Visa® does not offer balance transfers.Does Credit One Bank® Platinum Visa® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Credit One Bank® Platinum Visa®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does Credit One Bank® Platinum Visa® have a foreign transaction fee?
Credit One Bank® Platinum Visa® charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Credit One Bank® Platinum Visa®?
The customer service number for Credit One Bank® Platinum Visa® is (877) 825-3242.
What is the support contact email for Credit One Bank® Platinum Visa®?
The support contact email for Credit One Bank® Platinum Visa® is customerservice@creditonebank.com.
How do people rate the customer service and user experience of Credit One Bank® Platinum Visa®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Credit One Bank® Platinum Visa® report your account activity to credit bureaus?
Yes, Credit One Bank® Platinum Visa® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Credit One Bank® perform a hard credit pull?
Yes, Credit One Bank® Platinum Visa® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit One Bank® Platinum Visa®
- Visit the website of Credit One Bank® Platinum Visa®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Credit One Bank®
Other Credit Cards from Credit One Bank®
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$39
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
500 - 720
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$95
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
Up to 25.49%
Balance Transfer APR
N/A
Credit Score Range
520 - 850
300
850
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$95
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
Credit One Bank® Platinum Visa® Community Reviews
Would you recommend Credit One Bank® Platinum Visa® to your friends?
AH
Alissa H.
Nov 13, 2022
May or may not recommend
The experience I had with Credit One wa very disappointing. I was approved for this credit card, in which I also applied their Insurance Protection Plan to. Shortly after opening the account, I became unemployed and I took advantage of the Insurance Protection Plan (or so I thought). Their plan covered the monthly payments for X amount of months, if approved, which they will inform you of what you ...Show More
Showing 1 of 1 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
