Last Updated: 07/28/2025
Credit One Bank® Platinum Visa® for Rebuilding Credit
Unaffiliated
in Credit Cards from Credit One Bank®
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +20
Mostly recommended40 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A
Credit Score Range
500 - 720
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Annual Fee
$75 - $99
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Number of Reviews
Credit One Bank® Platinum Visa® for Rebuilding Credit Review
This is a cashback credit 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
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 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 poor credit.
Pros & Cons of Credit One Bank® Platinum Visa® for Rebuilding Credit
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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.
| Description |
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?
Credit One Bank® Platinum Visa® for Rebuilding Credit 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Credit One Bank® Platinum Visa® for Rebuilding Credit has a variable purchase APR of 25.49%. Credit One Bank® Platinum Visa® for Rebuilding Credit does not offer balance transfers. 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. Credit One Bank® Platinum Visa® for Rebuilding Credit does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $75 - $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $75 up to $99.
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 up to 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 customer service number for Credit One Bank® Platinum Visa® for Rebuilding Credit is (877) 825-3242.
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 login page for Credit One Bank® Platinum Visa® for Rebuilding Credit?
You can access the login page of Credit One Bank® Platinum Visa® for Rebuilding Credit 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 to the following credit bureaus:
- 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 build your credit.
Does Credit One Bank® perform a hard credit pull?
Yes, Credit One Bank® Platinum Visa® for Rebuilding Credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit One Bank® Platinum Visa® for Rebuilding Credit
- Visit the website of Credit One Bank® Platinum Visa® for Rebuilding Credit.
- 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
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