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  Credit One Bank® Platinum Visa® Credit Card

Credit One Bank® Platinum Visa® Credit Card

in Personal Credit Cards from Credit One Bank®

Unaffiliated

Credit One Bank® Platinum Visa® Credit Card

Unaffiliated

in Personal Credit Cards from Credit One Bank®

SuperMoney Net Recommendation Score +39

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +39, equating to 3.8 on a 5 point rating scale.

+39

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.

Mostly recommended

23 users recommend
4 users are unsure
9 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 17.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Annual Fee $0 - $99
Number of Reviews 36

Credit One Bank® Platinum Visa® Credit Card Review

This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Platinum Visa® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 23.99%.
  • Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $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 accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Credit One Bank® Platinum Visa® Credit Card
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.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Credit One Bank® Platinum Visa® Credit Card reports to multiple credit bureaus.
  • 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.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.
Credit One Bank® Platinum Visa® Credit Card FAQ

Does Credit One Bank® Platinum Visa® Credit Card 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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Credit One Bank® Platinum Visa® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 1x
Annual rewards limit N/A

Does Credit One Bank® Platinum Visa® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Credit One Bank® Platinum Visa® Credit Card benefits?

It 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® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.99% up to 23.99%. It also has a variable cash advance APR that ranges from 17.99% up to 23.99%.

Does Credit One Bank® Platinum Visa® Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Credit One Bank® Platinum Visa® Credit Card 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® Credit Card?

The following fees apply:

Credit One Bank® Platinum Visa® Credit Card Fees
Fees Amount
Annual Fee Starting at $0 up to $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® Credit Card have a foreign transaction fee?

Credit One Bank® Platinum Visa® Credit Card 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 foreign transaction fees.

What is the customer service phone number for Credit One Bank® Platinum Visa® Credit Card?

The Credit One Bank® Platinum Visa® Credit Card customer service number is (877) 825-3242.

How do people rate the customer service and user experience of Credit One Bank® Platinum Visa® Credit Card?

Overall, Credit One Bank® Platinum Visa® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

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

Yes, Credit One Bank® Platinum Visa® Credit Card 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 Visa® Credit Card

  • Visit the Credit One Bank® Platinum Visa® Credit Card 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 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® Credit Card 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.

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About Credit One Bank® Platinum Visa® Credit Card

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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

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3% - 8%
Minimum Cash Advance Fee ($) $5 - $10
Foreign Currency Transaction Fee 3%
Annual Fee $0 - $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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 720
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Rewards Categories
  • 1% Cash Back on Internet / Cable / Phone Services
  • 1% Cash Back on Gas
  • 1% Cash Back on Groceries
  • 1% Cash Back on Every Purchase
  • Up to 10% Cash Back on Select Merchants
Cash Advance APR (Variable APR) 17.99% - 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 17.99% - 23.99%
Card Type
  • Bad Credit
  • Cashback
  • Rewards
Card Network Visa

Credit One Bank® Platinum Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +39, equating to 3.8 on a 5 point rating scale.

+39

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.

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