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  Credit One Bank® Platinum Visa® for Rebuilding Credit

Best Of Product

Credit One Bank® Platinum Visa® for Rebuilding Credit
in Credit Cards from Credit One Bank®
Unaffiliated

Credit One Bank® Platinum Visa® for Rebuilding Credit

Unaffiliated
in Credit Cards from Credit One Bank®
SuperMoney Net Recommendation Score +22  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +22, equating to 3.4 on a 5 point rating scale.

+22

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
14 users don't recommend
Leave a Review
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Chime secured Credit Builder Visa® Credit Card
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Strongly recommended

21 reviews
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 25.49%
(Verified 09/07/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 720
Annual Fee $75 - $99
Number of Reviews 41

Credit One Bank® Platinum Visa® for Rebuilding Credit Review

This is a cashback 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

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • 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 relatively good approval odds.

Pros & Cons of Credit One Bank® Platinum Visa® for Rebuilding Credit

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 credit.
  • Cardholders can earn rewards on their purchases.
  • Credit One Bank® Platinum Visa® for Rebuilding Credit 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.
  • Charges an annual fee of up to $99.
  • 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® 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. 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® for Rebuilding Credit Rewards
Minimum rewards rate 1x
Max rewards rate 1x
Annual rewards limit N/A
Signup Bonus ($) N/A

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?

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® for Rebuilding Credit?

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

Credit One Bank® Platinum Visa® for Rebuilding Credit has a variable purchase APR of 25.49%. 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.

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?

The following fees apply:

Credit One Bank® Platinum Visa® for Rebuilding Credit Fees
Fees Amount
Annual Fee Starting at $75 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® for Rebuilding Credit have a foreign transaction fee?

Credit One Bank® Platinum Visa® for Rebuilding Credit 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® for Rebuilding Credit?

The Credit One Bank® Platinum Visa® for Rebuilding Credit customer service number is (702) 269-1195.

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.

What is the Credit One Bank® Platinum Visa® for Rebuilding Credit login page?

You can access the Credit One Bank® Platinum Visa® for Rebuilding Credit login page here.

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 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® for Rebuilding Credit

  • Visit the Credit One Bank® Platinum Visa® for Rebuilding Credit 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® 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

$75 for the first year. After that, $99 annually ($8.25 per month)

Contact

About Credit One Bank® Platinum Visa® for Rebuilding Credit

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View all credit cards offered by Credit One Bank®
View Credit One Bank® Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 8%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 3%
Annual Fee $75 - $99
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 24 days
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
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
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) 25.49%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 25.49%
(Verified 09/07/2022)
Card Type
  • Rewards
  • Cashback
  • Bad Credit
Card Network Visa

Credit One Bank® Platinum Visa® for Rebuilding Credit Community Reviews

 

Would you recommend Credit One Bank® Platinum Visa® for Rebuilding Credit to your friends?

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +22, equating to 3.4 on a 5 point rating scale.

+22

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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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.