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Credit One Bank® Platinum Visa® for Rebuilding Credit

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Credit One Bank® Platinum Visa® for Rebuilding Credit

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!

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on Credit One Bank's secure site


  • Regular Purchase APR

    17.99% to 23.99% Variable

  • Intro Purchase APR

    N/A*

  • Intro BT APR

    N/A*

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0-$99

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Find out if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply

Card Fees

  • Foreign Transaction Fee

    Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    Either $5 or 8% of the amount of each Cash Advance, whichever is greater, or $10 or 3% of each Cash Advance, whichever is greater.

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    2.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    3.0 /5

From the LendingTree.com Editorial Team

Credit One Bank® is one of America's leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

The main benefit of this particular card is for helping establish or reestablish credit. Each cardholder account is periodically reviewed for credit worthiness, which can result in an automatic increase of your credit limit if your track record for payments is good. That helps to bolster your credit score, too, especially if you are disciplined enough to only use a maximum of 25%-30% of your available credit.

Cardholders are able to enjoy 1% in gas rewards with no cap on the number of rewards, which post to your account automatically each month. The Credit One Bank® Platinum Visa® for Rebuilding Credit can be applied for online or when you receive a card membership invitation through the mail. Your credit limit will be based on your credit worthiness and may be as high as $1,500.

The card carries an APR of 17.99% to 23.99% Variable, which is in the higher end of the spectrum, but is still pretty typical. There is, however, a rather high annual membership fee – something that is also a common feature among many cards that are marketed to people with less than stellar credit.

The Bottom Line

The Credit One Bank® Platinum Visa® for Rebuilding Credit is geared toward the consumer who needs to find a card that will give them the tools necessary to improve their credit score and credit history. In that respect the card does a good job of offering a full-fledged card with several financial management and account oversight tools to help strengthen one’s credit.

The Good

Card holders can earn 1% cash back on gas purchases with no limit to rewards earned. This card offers several convenient features designed to help you manage, monitor, and improve your credit. You can also choose your own card design from the card issuer’s gallery of images.

The Not So Good

The annual fee can be as low as $0 or as high as $99. There is no fee charged when you make a standard payment, but you’ll be charged $9.95 if you use the Express Payment option.


Editorial Note: This content is not provided by Credit One Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Credit One Bank.

Expert Reviews of the Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Regular APR

    2.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    3.0

  • Overall Rating

    3.0 /5


Consumer Reviews 6 Reviews

Offer Rating

3.0 out of 5.0

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