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  Credit One Bank® Platinum Rewards Visa with No Annual Fee
Credit One Bank® Platinum Rewards Visa with No Annual Fee Unaffiliated

Credit One Bank® Platinum Rewards Visa with No Annual Fee

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Highlights
Purchase APR  (Variable APR) 25.49%
(Verified 09/07/2022)
Balance Transfer APR N/A
Credit Score Range N/A
Annual Fee $0

Credit One Bank® Platinum Rewards Visa with No Annual Fee Review

This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank® Platinum Rewards Visa with No Annual Fee is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Get more value from regular expenses with 2% cash back rewards on eligible purchases of gas, grocery, internet, cable and satellite TV, and mobile phone services.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 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.

Pros & Cons of Credit One Bank® Platinum Rewards Visa with No Annual Fee

The Good The Bad
  • No annual fee.
  • Credit One Bank® Platinum Rewards Visa with No Annual Fee reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.

Credit One Bank® Platinum Rewards Visa with No Annual Fee FAQ

Does Credit One Bank® Platinum Rewards Visa with No Annual Fee have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the relevant APRs for Credit One Bank® Platinum Rewards Visa with No Annual Fee?

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 Rewards Visa with No Annual Fee has a variable purchase APR of 25.49%. It also has a variable cash advance APR of 25.49% .

Does Credit One Bank® Platinum Rewards Visa with No Annual Fee 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 Rewards Visa with No Annual Fee 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 Rewards Visa with No Annual Fee?

The following fees apply:

  • There is no overlimit fee
Credit One Bank® Platinum Rewards Visa with No Annual Fee Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Credit One Bank® Platinum Rewards Visa with No Annual Fee have a foreign transaction fee?

Credit One Bank® Platinum Rewards Visa with No Annual Fee 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 Rewards Visa with No Annual Fee?

The Credit One Bank® Platinum Rewards Visa with No Annual Fee customer service number is (877) 825-3242.

What is the support contact email for Credit One Bank® Platinum Rewards Visa with No Annual Fee?

The support contact email for Credit One Bank® Platinum Rewards Visa with No Annual Fee is customerservice@creditonebank.com.

What is the Credit One Bank® Platinum Rewards Visa with No Annual Fee login page?

You can access the Credit One Bank® Platinum Rewards Visa with No Annual Fee login page here.

How do people rate the customer service and user experience of Credit One Bank® Platinum Rewards Visa with No Annual Fee?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Credit One Bank® Platinum Rewards Visa with No Annual Fee report your account activity to credit bureaus?

Yes, Credit One Bank® Platinum Rewards Visa with No Annual Fee 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 Rewards Visa with No Annual Fee

  • Visit the Credit One Bank® Platinum Rewards Visa with No Annual Fee 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.

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.

Contact

About Credit One Bank® Platinum Rewards Visa with No Annual Fee

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Offer Get more value from regular expenses with 2% cash back rewards on eligible purchases of gas, grocery, internet, cable and satellite TV, and mobile phone services.
Rewards Categories
  • 2% Cash Back on Internet / Cable / Phone Services
  • 2% Cash Back on Gas
  • 2% Cash Back on Groceries
Cash Advance APR (Variable APR) 25.49%
APR Type Variable APR
Purchase APR (Variable APR) 25.49%
(Verified 09/07/2022)
Card Type
  • Cashback
Card Network Visa

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