- Sign-Up Bonus
- 0
- Spending Multipliers
- 0.5
- Credits & Features
- 0
- Fees
- 4
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0.5
- Credits & Features
- 0
- Fees
- 4
- Application
- 5
- Issuer
- NaN
The Credit One Bank Platinum Visa is a credit-building card designed for consumers with limited or fair credit who want to establish or rebuild their credit history while earning modest rewards. It offers 1% cash back on purchases in key categories such as gas, groceries, mobile phone, internet, cable, and satellite TV services, making it suitable for everyday essential spending. While the card has no welcome bonus, carries an annual fee that is not waived in the first year, and charges a 3% foreign transaction fee, it includes practical features like the ability to choose your payment due date and credit score monitoring. For individuals focused on steadily improving their credit while earning rewards on everyday expenses, the Credit One Bank Platinum Visa provides a manageable, structured option.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Credit One recommends that your credit score is similar to the average of most consumers
- It is recommended that you have some established credit a history with limited payment issues
- You can also see if you are pre-qualified before applying for this card
Fees
- $39 Annual Fee
- $1 or 3% Foreign Transaction Fee (which ever is greater)
- Up to $39 late fee
- Up to $39 return payment fee
- 29.74% Variable APR
- 31.74% APR for Cash Advance
- $5 or 8% of each cash advance amount (whichever is greater)