Credit One Bank® Platinum Visa®

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

SecurityCredit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts
Contactless PaymentsApple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, Choose your due date, 24/7 customer service
Travel PerksNone

Rewards

1% cash back
U.S. supermarkets
Earn 1% cash back on groceries
1% cash back
Streaming services
Earn 1% on mobile phone, internet, cable, and satellite TV services
1% cash back
Gas
Earn 1% cash back on gas
10% cash back
Select Categories
Get up to 10% More Cash Back Rewards from some of the nation’s top retailers. No offers to activate or points to redeem – you’ll automatically earn Cash Back Rewards on your eligible purchases.

Interest Rates & Fees

Annual Fee39
Foreign Transaction FeeEither $1 or 3% of each purchase in U.S. dollars, whichever is greater.
Regular APR28.74% (V) APR

Pros & Cons

Pros

  • $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

Cons

  • 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
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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