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  Credit One Bank Platinum Premier Visa

Credit One Bank Platinum Premier Visa

in Personal Credit Cards from Credit One Bank®

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Credit One Bank Platinum Premier Visa

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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 $95
Purchase APR  (Variable APR) 25.74%
Rewards Rates
  • Gas
  • Groceries
  • Internet / Cable / Phone Services

Credit One Bank Platinum Premier Visa Review

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

  • Generous reward rate. You will get a a rewards rate of up to 5x.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.74%
  • 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.
The Good The Bad
  • Credit One Bank Platinum Premier Visa reports to multiple credit bureaus.
  • Free access to your credit score.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of up to $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?

No, Credit One Bank Platinum Premier Visa does not offer a 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.

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% .

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

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

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

Credit One Bank Platinum Premier Visa does not offer an introductory rate on new purchases.

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

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

Credit One Bank Platinum Premier 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.

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.

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 Premier Visa

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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) For all other purchases you make with this card, you'll earn 1% cash back rewards
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Annual Fee $95
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
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Bonus Rewards Get big rewards on purchases you make every day! Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter
Rewards Rates
  • Gas
  • Groceries
  • Internet / Cable / Phone Services
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 25.74%

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Credit Score Range 600 - 850     300 850
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(Variable APR)
    0% 36% Variable APR
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