Card Highlights

  • Seeing if you Pre-Qualify is fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases, terms apply.
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply.
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges.
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®

Who is Credit One Platinum Visa Designed For?

Credit One Platinum Visa is designed for people with poor credit who want an unsecured credit card and would like to improve their credit. Credit One is a credit card company that targets consumers with bad credit and charges high rates and annual fees.

What are the Rates for Platinum Visa?

The rates range from 17.24% to 25.24% APR.

What Are the Fees for Credit One Platinum Visa Credit Card?

- Platinum Visa has an annual membership fee of $0 to $99 depending on the credit history of users.

- Each new credit card for authorized users has an annual cost of $19.

- Cash advances have either a $5/8% of the amount or $10/3%, whichever is greater. 

- Credit One Platinum Visa charges a $37 fee for late payments and a $35 fee for returned payments.

What Is Platinum Visa's Rewards Program Like?

Platinum Visa gives users 1% cash back on all gas, groceries, phone and cable purchases. Or, based on your creditworthiness, 1.1% cash back on dining in conjunction with 1% on all purchases. The cash back is redeemed automatically for a statement credit.

What about Platinum Visa's Signup Bonus?

Credit One Platinum Visa doesn't have a signup bonus. On the contrary, the annual membership fee is immediately charged to the account, which reduces the line of credit available by the cost of the annual fee.

Does Credit One Platinum Visa Have Any Other Benefits?

The main attraction of the Credit One Platinum Visa is that people with bad credit are eligible and that it is a useful tool to rebuild credit.

It offers automatic credit line increase reviews, updates all three credit bureaus and includes free monthly credit score tracking. Also, it allows you to get pre-qualified for the card without affecting your credit score. Each one of those features has the potential to help people improve their credit rating.

Credit One Platinum Visa also emails or texts reminders when a payment is due and lets cardholders pick the payment due date that best fits your schedule.

How Is Platinum Visa Better Than Other Credit Cards?

The Credit One Visa Platinum® is one of the best-unsecured credit cards available to people with bad or no credit. It does have high annual fees and rates, but it also includes useful credit building features, such as free credit score tracking, email alerts, and pre-qualification, that most credit cards in this category don't carry.

  • Credit Score Range
    560 - 700
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Annual Fee
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • Card Type
    • Cash Back
    • Rewards
  • Card Network
  • Car Rental Insurance
  • Fraud Liability
  • Free FICO Score
  • Cashback
  • Rewards Categories
    • Gas
    • Groceries
    • Internet / Cable / Phone
    • Restaurants
  • Purchases APR (variable)
    17.24% - 25.24%
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