Credit One Bank® Platinum Visa®
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The Credit One Bank® Platinum Visa® offers cash back rewards for people with average credit. It also gives cardholders free access to their credit score and potential credit line increases. However, there’s an annual fee and no welcome bonus. There are plenty of other cards available that offer more elevated rewards for no annual fee. If you’re looking at this card, also check out the alternatives we list below. We dive into the details and your approval odds in this Platinum Visa review.
Our Rating
4.5/5.0
Welcome Offer
None
Annual Fee
$39
0% on Purchases
N/a
Reward Rate
1%
0% on Balance Transfers
N/a
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, Choose your due date, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | 39 |
| Foreign Transaction Fee | Either $1 or 3% of each purchase in U.S. dollars, whichever is greater. |
| Regular APR | 28.74% (V) APR |
What Credit Score Is Required to Get the Credit One Bank® Platinum Visa®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 689
Average Approved Credit Score: 689
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 10/23/2021 | Experian | ||
| Denied | 06/10/2020 | Not Provided |
Pros & Cons
- $0 annual fee for those who qualify
- 1% cash back rewards
- Free access to your credit score
- Reports to all 3 major credit bureaus
- No security deposit required
- Annual fee can be as high as $99
- Regular APR can be high
What Are the Best Alternatives?
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0