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Credit One Bank® Platinum Visa® with Cash Back Rewards

in Personal Credit Cards

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Credit One Bank® Platinum Visa® with Cash Back Rewards

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Credit One Bank® Platinum Visa® with Cash Back Rewards is a credit card issued by Credit One Bank, which is based in Las Vegas, NV. 

Credit One Bank® Platinum Visa® with Cash Back Rewards is designed for people with a credit score of 560 to 700. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. Credit One Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

Credit One Bank® Platinum Visa® with Cash Back Rewards has a variable purchase APR that ranges from 19.74% up to 25.74%.

It also has a variable cash advance APR starting at 25.74%.

Is an introductory APR offer available?

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

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

What are the fees?

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

  • There is no annual fee.
  • A late payment penalty of $37.
  • A returned payment fee of $35.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Credit One Bank® Platinum Visa® with Cash Back Rewards offers a rewards program to its customers. The rewards program. allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

Credit One Bank® Platinum Visa® with Cash Back Rewards doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Credit One Bank® Platinum Visa® with Cash Back Rewards doesn't offer a cash loyalty bonus.

What additional benefits are offered?

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

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

Does Credit One Bank® Platinum Visa® with Cash Back Rewards report your account activity to credit bureaus?

Credit One Bank® Platinum Visa® with Cash Back Rewards reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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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

Grace Period for Late Payment (Days) 24
Annual Fee $0
No Annual Fee  
Late Payment Penalty $37
Returned Payment Fee $35
Minimum Interest Charge $1
Foreign Currency Transaction Fee 3%
Minimum Age 18
Co-signing Allowed  
Credit Score Range 560 - 700
850 300 560 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Fraud Liability  
Free FICO Score  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
Bonus Rewards 1%
All Other Purchases 1% cashback
Every Purchase 1.0% Cash Back on eligible Gas, Groceries, Mobile Phone Service, Internet Service, and Cable & Satellite TV Service; 1.1% Cash Back on eligible Dining Purchases
Rewards Categories
  • Every Purchase
Purchase APR (Variable APR) 19.74% - 25.74%
Cash Advance APR (Variable APR) Starting at 25.74%
Balance Computation average daily balance (including new purchases)

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Credit One Bank® Platinum Visa for Rebuilding Credit
Purchase APR 19.74% - 25.74%
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Balance Transfer APR N/A Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 560 - 700     300 850
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Purchase APR 17.49% - 25.49%
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Balance Transfer APR N/A Balance Transfer APR
Annual Fee N/A Annual Fee
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