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  Credit One Bank® Platinum Visa®

Credit One Bank® Platinum Visa®

in Personal Credit Cards from Credit One Bank®

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Credit One Bank® Platinum Visa®

Unaffiliated

in Personal Credit Cards from Credit One Bank®

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $99
Purchase APR  (Variable APR) 17.99% - 23.99%
Rewards Rates Every Purchase

Credit One Bank® Platinum Visa® Review

Credit One Bank® Platinum Visa® is a 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 is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1% cash back on everyday purchases.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 23.99%.
  • 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Credit One Bank® Platinum Visa® Pros and Cons:

The Good The Bad
  • Offering cash back for every purchase on this card
  • Free access to your credit score.
  • Earn rewards on every purchase.
  • 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.
  • Requires good to excellent credit.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.

Is there a Credit One Bank® Platinum Visa® cash back or rewards program?

No, Credit One Bank® Platinum Visa® does not offer a rewards program.

What are the Credit One Bank® Platinum Visa® benefits?

Credit One Bank® Platinum Visa® provides the following benefits:

  • Free Credit Score
  • Zero fraud liability

What are the relevant APRs for Credit One Bank® Platinum Visa®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Credit One Bank® Platinum Visa® has higher than average purchase APRs.

Credit One Bank® Platinum Visa® has a variable purchase APR that ranges from 17.99% up to 23.99%. It also has a variable cash advance APR of 23.99% .

Does Credit One Bank® Platinum Visa® have an introductory APR offer on balance transfers?

No, Credit One Bank® Platinum Visa® does not come with an introductory APR offer for balance transfers.

Does Credit One Bank® Platinum Visa® have an introductory APR offer on new purchases?

Credit One Bank® Platinum Visa® does not offer an introductory rate on new purchases.
Credit One Bank® Platinum Visa® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Credit One Bank® Platinum Visa®?

The following fees apply to Credit One Bank® Platinum Visa®:

Credit One Bank® Platinum Visa® Fees
Fees Amount
Annual Fee $99
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 a foreign transaction fee.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

  • Headquarters
  •   585 Pilot Rd.
    Las Vegas, NV 89119
  •   Visit Site

About Credit One Bank® Platinum Visa®

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View all personal credit cards offered by Credit One Bank®

Availability

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

Feature Breakdown

Every Purchase (Points) Get 1% cash back rewards on every purchase, every day
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 8%
Foreign Currency Transaction Fee 3%
Annual Fee $99
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 17.99% - 23.99%

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10 total votes
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Gas
  • 1% on Groceries
  • Internet / Cable / Phone Services
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 520 - 850     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Retail
Credit One Bank® Platinum Rewards Visa
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $95 Annual Fee
Purchase APR 23.99% Variable APR
Rewards Rates
  • 5% on Gas
  • 5% on Groceries
  • Internet / Cable / Phone Services
Credit One Bank American Express® Card
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $39 Annual Fee
Purchase APR 23.99% Variable APR
Rewards Rates
  • 1% on Every Purchase
Credit One Bank® Visa® Cash Back Rewards
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 23.99% Variable APR
Rewards Rates
  • 1% on Gas
  • 1% on Groceries
  • Internet / Cable / Phone Services
Credit One Bank Vegas Born Visa

Credit One Bank Vegas Born Visa

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 - $99     $0 $995
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase