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3/5.0 from 0 Offer Ratings
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Credit One Bank Credit Card Offers
- Compare Credit One Bank credit cards offered
- Independent ratings and reviews for Credit One Bank cards
- Secure and immediate online application process
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $39
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Welcome OfferN/A
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Rewards Rate1% cash back
- Credit Needed Fair / Good
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
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Est. Monthly Rewards
$16
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Est. First Year Rewards
$192
The Bottom Line
The Credit One Bank® Platinum Visa® offers a necessary stepping stone for those aiming to improve their credit score, with its credit-building features and the bonus of earning cash back on purchases being quite appealing. However, the combination of a high annual fee and a steep APR means that one must be quite strategic and disciplined in managing balances to ensure the costs don't overshadow the benefits.
Our Take
The Good
The Credit One Bank® Platinum Visa® is designed for individuals looking to build or rebuild their credit, offering automatic account reviews for credit line increases and reporting to the three major credit bureaus, which can aid in improving credit scores over time. It also provides cash back rewards on eligible purchases, adding a layer of incentive for responsible card usage.
The Not So Good
The card comes with a high annual fee that varies by account, and its APR is considerably high, which can offset the rewards earned and make carrying a balance expensive. Additionally, its cash back rewards program is relatively modest compared to other cards in the market, potentially limiting the card's overall value for users.
Card Details
- Click APPLY NOW to apply online.
- 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
- Free Online Credit Score and Credit Report summary, terms apply
- 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
- Rates & Fees
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.