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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

SuperMoney Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

7 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Annual Fee $99
Purchase APR  (Variable APR) 19.49% - 25.49%
Rewards Rates
  • Every Purchase
  • Groceries
Number of Reviews 7

Credit One Bank Platinum Visa Review

Credit One Bank Platinum Visa is a cashback 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.

  • Up to 1% on every day purchases.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.49% up to 25.49%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $99 for the privilege.
  • 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.
  • 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. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • There is no enrollment fee, which often comes with credit building cards.
  • Automatically get up to 10% more cash back rewards from participating merchants.
  • Accounts are automatically reviewed for credit increase opportunities.
  • Considers applicants with fair or poor credit.
  • Earn rewards on every purchase.
  • Credit One Bank Platinum Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Free access to your credit score.
  • Reward structure is based on creditworthiness. Some customers are offered cash back on all purchases, others are limited.
  • Annual fee and interest rate are based on creditworthiness, and can vary considerably.
  • Not all cardholders qualify for a payment grace period.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1%.

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

Credit One Bank Platinum Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank Platinum 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.

Credit One Bank Platinum Visa Rewards
Rewards rate (all purchases) 1%
Max rewards rate 1%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does Credit One Bank Platinum Visa have a signup bonus?

Credit One Bank Platinum Visa doesn't offer a cash signup bonus.

Does Credit One Bank Platinum Visa offer an annual loyalty bonus?

Credit One Bank Platinum Visa doesn't offer a cash loyalty bonus.

What are the Credit One Bank Platinum Visa benefits?

Credit One Bank Platinum Visa provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

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 19.49% up to 25.49%. It also has a variable cash advance APR of 25.49% .

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.

What are the Credit One Bank Platinum Visa fees?

The following fees apply to Credit One Bank Platinum Visa:

Credit One Bank Platinum Visa Fees
Fees Amount
Annual Fee $99 (Annual fees vary by year)
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.

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

Credit One Bank Platinum 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 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.

CREDIT ONE BANK PLATINUM VISA 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
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Contact

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

About Credit One Bank Platinum 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

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee (%) 3% - 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $99
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Additional Card Fee Amount $19
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 720
Card Type
  • Bad Credit
  • Cashback
  • Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Rewards Rates
  • Every Purchase
  • Groceries
Rewards Type Cash Back
Cash Advance APR (Variable APR) 25.49%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 19.49% - 25.49%

Credit One Bank Platinum Visa Community Reviews

 

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Purchase APR 19.74% - 25.74%
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Credit Score Range 700 - 850     300 850
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $99 Annual Fee
Purchase APR 19.74% - 25.74%
(Variable APR)
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Rewards Rates
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Credit One Bank Cash Back Rewards Visa
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Purchase APR 19.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase