Last Updated: 07/28/2025
Credit One Bank® Platinum Visa® for Rebuilding Credit
Unaffiliated
from Credit One Bank®
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +20
Mostly recommended40 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
500 - 720
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Annual Fee
$75 - $99
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Number of Reviews
Credit One Bank® Platinum Visa® for Rebuilding Credit Review
This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Platinum Visa® for Rebuilding Credit is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Credit One Bank® is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Credit One Bank® Platinum Visa® for Rebuilding Credit
| The Good | The Bad |
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Credit One Bank® Platinum Visa® for Rebuilding Credit FAQ
Does Credit One Bank® Platinum Visa® for Rebuilding Credit 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.
| Description |
Does Credit One Bank® Platinum Visa® for Rebuilding Credit have a signup bonus?
This card doesn't offer a cash signup bonus.Does Credit One Bank® Platinum Visa® for Rebuilding Credit offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Credit One Bank® Platinum Visa® for Rebuilding Credit benefits?
Credit One Bank® Platinum Visa® for Rebuilding Credit 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® for Rebuilding Credit?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Credit One Bank® Platinum Visa® for Rebuilding Credit has a variable purchase APR of 25.49%. Credit One Bank® Platinum Visa® for Rebuilding Credit does not offer balance transfers. It also has a variable cash advance APR of 25.49% .
Does Credit One Bank® Platinum Visa® for Rebuilding Credit have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Credit One Bank® Platinum Visa® for Rebuilding Credit does not offer balance transfers.Does Credit One Bank® Platinum Visa® for Rebuilding Credit 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® for Rebuilding Credit?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $75 - $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $75 up to $99.
Does Credit One Bank® Platinum Visa® for Rebuilding Credit have a foreign transaction fee?
Credit One Bank® Platinum Visa® for Rebuilding Credit charges a foreign transaction fee of up to 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® for Rebuilding Credit?
The customer service number for Credit One Bank® Platinum Visa® for Rebuilding Credit is (877) 825-3242.
What is the support contact email for Credit One Bank® Platinum Visa® for Rebuilding Credit?
The support contact email for Credit One Bank® Platinum Visa® for Rebuilding Credit is customerservice@creditonebank.com.
How do people rate the customer service and user experience of Credit One Bank® Platinum Visa® for Rebuilding Credit?
Overall, Credit One Bank® Platinum Visa® for Rebuilding Credit is mostly recommended based on community reviews that rate customer service and user experience.
Does Credit One Bank® Platinum Visa® for Rebuilding Credit report your account activity to credit bureaus?
Yes, Credit One Bank® Platinum Visa® for Rebuilding Credit reports to the following credit bureaus:
- 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 build your credit.
Does Credit One Bank® perform a hard credit pull?
Yes, Credit One Bank® Platinum Visa® for Rebuilding Credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit One Bank® Platinum Visa® for Rebuilding Credit
- Visit the website of Credit One Bank® Platinum Visa® for Rebuilding Credit.
- 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.
Credit One Bank® Platinum Visa® for Rebuilding Credit Disclosure: Annual fee $0 to $75 for the first year. After that, $0 to $99.
Late Payment Fee Up to $39 (terms apply)
Cash Advance Fee: $5.00/8% or $10.00/3%, whichever is greater (see terms)
Foreign Transaction Fee 3% or $1.00, whichever is greater
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.
Message from Credit One Bank® Platinum Visa® for Rebuilding Credit
Other Services by Credit One Bank®
Other Credit Cards from Credit One Bank®
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$95
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
Up to 25.49%
Balance Transfer APR
N/A
Credit Score Range
520 - 850
300
850
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
Credit One Bank® Platinum Visa® for Rebuilding Credit Community Reviews
Would you recommend Credit One Bank® Platinum Visa® for Rebuilding Credit to your friends?
JA
Jim A.
Jan 26, 2023
May or may not recommend
Awful experience with Credit One. Unless you are in desperate need to rebuild your credit there are much better options than this one. Fees outweigh any benefit of this card.
PH
Patrick H.
Apr 24, 2022
May or may not recommend
When it comes to a simple credit card, that's all you'll find when using this card. They stretch out the yearly fee by taking it out of the account in monthly payments. There really isn't any reward structure like many other cards. Also with its higher interest rates sometimes paying it back can feel like climbing a steep cliff. I would highly recommend shopping around first before settling on this ...Show More
Theo S.
Mar 18, 2022
May or may not recommend
This card was more of a curse than a blessing.
While I had no choice but to utilize the credit build at the time, the fees became a problem that grew overtime. Like other typical credit cards I had, it was mostly used as a last resort. Nevertheless, I had used it anyway for my occupation at the time was not providing me with enough.
Overtime, I was able to overcome any ...Show More
Sophia D.
Jan 20, 2022
May or may not recommend
I didn't have a good experience with this card or its customer service at all. I have long since canceled and closed the account but I wouldn't recommend it. An app is important for me when handling my finances and this app was the worse! It was buggy and outdated. I had an issue when my payment didn't post to my account after a week but came out of my ...Show More
SG
Santos G.
Jan 4, 2022
May or may not recommend
This is a horrible card as it keeps charging you an annual fee every month and the interest rate on this card is awful compared to others available in the marketplace. Also, you have to pay extra to do same day bill pay which is free with other providers. Customer service is horrible as well. I called in many times to dispute a few charges and I was on hold ...Show More
KR
Kristina R.
Apr 12, 2021
May or may not recommend
I had this card in the past and had a positive experience. I was in the process of rebuilding my credit and this cad wad easy to get.
JT
Joshua T.
Jan 28, 2021
May or may not recommend
Its good to have en use get cash back en pay bills
SD
Seth D.
Jan 15, 2021
May or may not recommend
I use this card as a gas card. Low limit on it, but that just means it’s much harder to let the balance run up and get upside down in it. Not a bad card at all
SL
Sean L.
Dec 23, 2020
May or may not recommend
When I first was able to apply for credit cards this was one of the very first that I applied for and accepted me right away. They offer great rewards and even a few months later gave me a great offer to increase my credit line with a better rate, which I did. I would highly recommend this credit card to anyone who is new and trying to build ...Show More
IS
Ivy S.
Dec 23, 2020
May or may not recommend
I have used a credit card from Credit One Bank and didn’t have too many issues as I mostly used the card to make simple and small purchases. However, all the fees do become a hassle to deal with, especially the grueling monthly fees. Overall, if you need a card for maintaining credit and don’t mind the extra fees, then this is the perfect credit card for you.
JK
Josefina K.
Dec 22, 2020
May or may not recommend
This card is a wonderful option to use in making business purchases. I bet others kick more $ back to cardholders but I have always been impressed with the customer service. This card gives me a nice return on my business expenditures and I haven't found any other card that is better. I know I have talked several business friends into signing on with it as well. The benefits are ...Show More
SM
Saba M.
Dec 8, 2020
May or may not recommend
I have this card about two years back but my worst experience with it there’s annul fee and interest rate is too high so I recommend to everyone never ever apply for this card
Audrey F.
Dec 8, 2020
May or may not recommend
Cheap company that feels predatory; high interest and unhelpful. During Covid lockdown, it seemed like I received twice as many emails begging for money (despite never being able to get ahold of them) versus my other credit card companies that were offering help and patience. It's never comforting to feel like your credit company is more desperate than you are during a pandemic.
DS
D S.
Dec 2, 2020
May or may not recommend
For those who struggle with getting credit cards, this is a great one to choose. Very easy to begin with, and a good one if you're struggling with finances. It's a good one because signup is easy, and you'll have the card immediately.
BW
Brianne W.
Dec 1, 2020
May or may not recommend
My husband and I both used this card in the past. This card could be great for someone that is having a hard time getting any other credit cards. This is a good starter card for someone that is starting out. One downside of this card is the high APR rates. It is quite easy to get approved and if your very disciplined and pay off on time then you ...Show More
Chioma D.
Nov 27, 2020
May or may not recommend
Quick credit approval and good starting limit. Used this card for 0% interest for 12 months on airline ticket purchase. Transferred balance after introductory offer expired. Served me well. It is outstanding. Great service, great benefits like travel bonus, TSA free enrollment, access to executive lounges and more!!
Nicholas C.
Nov 25, 2020
May or may not recommend
I do not recommend this card at all. There are annual and monthly fees which make maintaining your balance an annoyance. As far as I remember, the card does not require a particularly high credit score, so it's easy to obtain, but beware of all the fees and high APR. I'd recommend staying away from this one.
KR
Kenneth R.
Nov 18, 2020
May or may not recommend
I was able to open the card with a moderately good credit score. Although the interest rate is 23.90% the monthly payments are reasonable. I have tried to avoid accepting offers to increase the credit line, however, which are made fairly often and include a 10% fee. It has been convenient to track and pay online and has had no processing errors or data breaches that I know of.
DE
Dorcas E.
Nov 15, 2020
May or may not recommend
I have been using my Credit One visa card for a couple of months now and I have not really had any issues, but recently, I had a problem, got in touch with the Credit One team and within minutes the problem was resolved. Overall an outstanding card to have, great customer service. I Would recommend this card to all.
TT
Ted T.
Nov 5, 2020
May or may not recommend
I had a Credit One Bank Visa credit card used it to make several purchases. Paid the balances off had it down to zero. I then get a phone call from them due to my account being delinquent. I question how is the account delinquent when the card is at zero. They inform me of the monthly service fee, which in turn caused a late fee. Don't get me wrong ...Show More
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