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Credit One Bank® Platinum Visa for Rebuilding Credit

in Personal Credit Cards

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Credit One Bank® Platinum Visa for Rebuilding Credit

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Credit One Bank® Platinum Visa for Rebuilding Credit is a credit card issued by Credit One Bank, which is based in Las Vegas, NV. 

Credit One Bank® Platinum Visa for Rebuilding Credit is designed for people with a credit score of 560 to 700. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. 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.

What are the relevant APRs?

Credit One Bank® Platinum Visa for Rebuilding Credit has a variable purchase APR that ranges from 19.74% up to 25.74%.

It also has a variable cash advance APR starting at 25.74%.

Is an introductory APR offer available?

No, Credit One Bank® Platinum Visa for Rebuilding Credit does not come with an introductory APR offer for balance transfers.

Credit One Bank® Platinum Visa for Rebuilding Credit does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Credit One Bank® Platinum Visa for Rebuilding Credit:

  • There is no annual fee.
  • A late payment penalty of $37.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Gas
  • Groceries

Is a signup bonus offered?

Credit One Bank® Platinum Visa for Rebuilding Credit doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Credit One Bank® Platinum Visa for Rebuilding Credit doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Credit One Bank® Platinum Visa for Rebuilding Credit provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

Does Credit One Bank® Platinum Visa for Rebuilding Credit report your account activity to credit bureaus?

Credit One Bank® Platinum Visa for Rebuilding Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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...

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Availability

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

Grace Period for Late Payment (Days)
24
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$35
Minimum Interest Charge
$1
Foreign Currency Transaction Fee
3%
Minimum Age
18
Co-signing Allowed
Credit Score Range
560 - 700
850 300 560 700
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
Fraud Liability
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Accident Insurance
Every Purchase
1% cash back on gas and groceries
Rewards Categories
  • Gas
  • Groceries
Purchase APR
(Variable APR)
19.74% - 25.74%
0% 29%
Cash Advance APR
(Variable APR)
Starting at
25.74%
Balance Computation
average daily balance (including new purchases)

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Annual Fee

Credit Score Range

Credit One Bank Official NASCAR Visa
Purchase APR
(Variable APR)
17.49% - 25.49% 0% 29% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Annual Fee N/A Annual Fee
Credit Score Range 560 - 700 300 850
Credit One Bank® Platinum Visa® with Cash Back Rewards
Purchase APR
(Variable APR)
19.74% - 25.74% 0% 29% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 560 - 700 300 850