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  Credit One Bank® Platinum Rewards Visa

Credit One Bank® Platinum Rewards Visa

in Personal Credit Cards from Credit One Bank®

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Credit One Bank® Platinum Rewards Visa

Unaffiliated

in Personal Credit Cards from Credit One Bank®

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Highlights
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $95

Credit One Bank® Platinum Rewards Visa Review

Credit One Bank® Platinum Rewards Visa is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Platinum Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 Rewards Visa Pros & Cons
The Good The Bad
  • Credit One Bank® Platinum Rewards Visa reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • 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 benefits.
Credit One Bank® Platinum Rewards Visa FAQ

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

No, Credit One Bank® Platinum Rewards Visa does not offer a rewards program. Credit One Bank® Platinum Rewards Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank® Platinum Rewards 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 Rewards Visa benefits?

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

  • Reports to major credit bureaus

What are the relevant APRs for Credit One Bank® Platinum Rewards 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 Rewards Visa has higher than average purchase APRs.

Credit One Bank® Platinum Rewards Visa has a variable purchase APR of 23.99%. It also has a variable cash advance APR of 23.99% .

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

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

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

Credit One Bank® Platinum Rewards Visa does not offer an introductory rate on new purchases.
Credit One Bank® Platinum Rewards 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 Rewards Visa?

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

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

Credit One Bank® Platinum Rewards 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 Rewards Visa report your account activity to credit bureaus?

Yes, Credit One Bank® Platinum Rewards 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 Rewards Visa

  • Visit the Credit One Bank® Platinum Rewards 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...
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

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

About Credit One Bank® Platinum Rewards Visa

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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) 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 (%) Up to 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit 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
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 23.99%
Card Type Cashback
Card Network Visa

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