Credit One Bank Platinum Premier Visa Review

Credit One Bank Platinum Premier Visa is a cashback credit card issued by Credit One Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Credit One Bank Platinum Premier Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Credit One Bank Platinum Premier Visa

The Good	The Bad
Free access to your credit score. Credit One Bank Platinum Premier Visa reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $95. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Does not include many credit card rewards.

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

Credit One Bank Platinum Premier Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank Platinum Premier Visa you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

Credit One Bank Platinum Premier Visa Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Credit One Bank Platinum Premier Visa benefits?

Credit One Bank Platinum Premier 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 Premier 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 Premier Visa has higher than average purchase APRs.

Credit One Bank Platinum Premier Visa has a variable purchase APR of 25.74%. It also has a variable cash advance APR of 25.74% .

Credit One Bank Platinum Premier Visa Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

Credit One Bank Platinum Premier Visa Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	25.74%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	25.74%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the Credit One Bank Platinum Premier Visa fees?

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

Credit One Bank Platinum Premier Visa Fees

Fees	Amount
Annual Fee	$95
Foreign Transaction Fee	3%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Credit One Bank Platinum Premier Visa report your account activity to credit bureaus?

Credit One Bank Platinum Premier 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 can help improve your credit score.

How to apply for Credit One Bank Platinum Premier Visa

• Visit the Credit One Bank Platinum Premier 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.