Credit One Bank® Platinum Visa®
in Personal Credit Cards from Credit One BankUnaffiliated Apply Now
Credit One Bank® Platinum Visa®Unaffiliated
in Personal Credit Cards from Credit One Bank
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|Community Rating||Strongly recommended|
|Purchase APR (Variable APR)||20.24% - 26.24%|
|Balance Transfer APR (Variable APR)||N/A|
|Credit Score Range||560 - 850|
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 560. 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.
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 $10 back in cash.
|Rewards rate (all purchases)||1%|
|Max rewards rate||N/A|
|Annual rewards limit||N/A|
|Signup Bonus ($)||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
- Auto Rental Collision Damage Waiver
- Fraud Liability
- Travel Accident Insurance
- 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 20.24% up to 26.24%.
It also has a variable cash advance APR of 26.24% .
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.
|Purchase APR||20.24% - 26.24%|
|Cash Advance APR||26.24%|
What are the Credit One Bank® Platinum Visa® fees?
The following fees apply to Credit One Bank® Platinum Visa®:
|Annual Fee||$75 (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:
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.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|No Interest Grace Period for Late Payment||24|
|Paper Statement Fee||$0|
|Returned Payment Fee||Up to $39|
|Minimum Interest Charge||$1|
|Late Fee Amount||Up to $39|
|Minimum Cash Advance Fee ($)||$5 - $10|
|Cash Advance Fee (%)||3% - 8%|
|Cash Advance Fee Minimum||$10|
|Foreign Currency Transaction Fee||3%|
|Credit Score Range||
560 - 850
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Free FICO Score|
|Credit Card Benefits||
|Purchase APR (Variable APR)||20.24% - 26.24%|
|Cash Advance APR (Variable APR)||26.24%|
|Balance Computation||average daily balance (including new purchases)|
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