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  Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa® Unaffiliated

Credit One Bank® Platinum Visa®

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 25.49%
Balance Transfer APR  (Variable APR) N/A
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Credit One Bank® Platinum Visa®

The Good The Bad
  • Offering cash back for every purchase on this card
  • Free access to your credit score.
  • Cardholders can earn rewards on their purchases.
  • Credit One Bank® Platinum Visa® reports to multiple credit bureaus.
  • Annual fee and interest rate are based on creditworthiness, and can vary considerably. Currently $0 - $95 for the first year and $0 - $99 after that.
  • Higher than average purchase APRs.
  • Charges an annual fee of $39
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.

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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Credit One Bank® Platinum Visa® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Credit One Bank® Platinum Visa® have a signup bonus?

This card doesn't offer a cash signup bonus.

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Credit One Bank® Platinum Visa® has a variable purchase APR of 25.49%. 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.

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®?

The following fees apply:

Credit One Bank® Platinum Visa® Fees
Fees Amount
Annual Fee $39
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One Bank® Platinum Visa® have a foreign transaction fee?

Credit One Bank® Platinum Visa® charges a foreign transaction fee of 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 Credit One Bank® Platinum Visa® customer service number 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.

What is the Credit One Bank® Platinum Visa® login page?

You can access the Credit One Bank® Platinum Visa® login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Credit One Bank® Platinum Visa®

  • Visit the Credit One Bank® Platinum Visa® website.
  • 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.

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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.

Contact

About Credit One Bank® Platinum Visa®

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $39
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Bonus Offer 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.
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.49%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 25.49%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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