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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

6 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Annual Fee $99
Purchase APR  (Variable APR) 19.99% - 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Number of Reviews 6

Credit One Bank Platinum Visa Review

Credit One Bank Platinum Visa is a cashback credit card issued by Credit One Bank. 

This card is designed for people who have bad credit. The minimum credit score to apply is 500. 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. 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.

Pros & Cons of Credit One Bank Platinum Visa
Pros Cons
  • The Credit One Cash Back Rewards Visa helps to rebuild credit by reporting to the major credit bureaus monthly
  • There is no enrollment fee, which often comes with credit building cards.
  • Customers can choose their due date.
  • Accounts are automatically reviewed for credit increase opportunities.
  • 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 card holders qualify for a payment grace period.
  • 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
    • Fraud Liability
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Credit One Bank Platinum Visa?

    Credit One Bank Platinum Visa has a variable purchase APR that ranges from 19.99% up to 25.99%.

    It also has a variable cash advance APR of 25.99% .

    Does Credit One Bank Platinum Visa have an introductory APR offer?

    Credit One Bank Platinum Visa does not offer an introductory rate on new purchases.
    Credit One Bank Platinum Visa Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Credit One Bank Platinum Visa Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 19.99% - 25.99%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.99%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    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 website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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
    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...

    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

    Gas 1%
    Groceries 1%
    Insurance 1%
    No Interest Grace Period for Late Payment 24
    Returned Payment Fee Up to $39
    Minimum Interest Charge $1
    Annual Fee $99
    Late Fee Amount Up to $39
    Minimum Cash Advance Fee ($) Starting at $5
    Cash Advance Fee (%) 3% - 8%
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 500 - 720
    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
    Card Type
    • Bad Credit
    • Cashback
    • Rewards
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Card Network
    • Visa
    Fraud Liability  
    Free FICO Score  
    Credit Card Benefits
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    Rewards Categories
    • Gas
    • Groceries
    • Internet / Cable / Phone Services
    Purchase APR (Variable APR) 19.99% - 25.99%
    Cash Advance APR (Variable APR) 25.99%
    Balance Computation average daily balance (including new purchases)

    Credit One Bank Platinum Visa Community Reviews

     

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