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Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit Review
The Credit One Bank® Platinum Visa® for Rebuilding Credit is a decent option for those in the midst of rebuilding their credit, offering the necessary features like reporting to credit bureaus and the perk of cash back rewards. Nevertheless, the high annual fee and APR are considerable drawbacks, making it imperative for users to meticulously manage their spending and balances to truly benefit from its credit-building potential without incurring unnecessary costs.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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Credit One Bank® Platinum Visa® for Rebuilding Credit
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Apply Now
on Credit One Bank®'s secure site
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Credit One Bank® Platinum Visa® for Rebuilding Credit
SIGN-UP BONUS
N/A
REWARDS RATE
1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
Rewards Rate
1% Cash Back on eligible purchases and mobile phone service, internet, cable and satellite TV services. Terms Apply.
Purchase APR
29.49%* Variable
Build Credit
This unsecured card requires no deposit and can help build your credit
Annual Fee
$75 for the first year. After that, $99 annually ($8.25 per month)
Card Brand
Visa®
Recommended Credit Score
Poor / FairHighlights
- See if you Pre-Qualify without harming your credit score
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Free Online Credit Score and Credit Report summary, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
Additional Info
Foreign Transaction Fee
3%, Min: $1, whichever is greater
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 27, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The Credit One Bank® Platinum Visa® for Rebuilding Credit provides an accessible credit option for individuals with less-than-ideal credit histories, offering automatic review for credit line increases and reporting to the three major credit bureaus, which are essential steps in improving credit scores.
The Not So Good
- This card comes with a high annual fee that can significantly reduce its cost-effectiveness for those already managing tight financial situations. Furthermore, its relatively high APR could make carrying a balance quite expensive, potentially complicating the credit rebuilding process for individuals who are unable to pay off their balances in full each month.
The Bottom Line
The Credit One Bank® Platinum Visa® for Rebuilding Credit is a decent option for those in the midst of rebuilding their credit, offering the necessary features like reporting to credit bureaus and the perk of cash back rewards. Nevertheless, the high annual fee and APR are considerable drawbacks, making it imperative for users to meticulously manage their spending and balances to truly benefit from its credit-building potential without incurring unnecessary costs.
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®.
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0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
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Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
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Ongoing APR
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