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


Welcome Offer


Annual Fee


0% Intro on Purchases


Reward Rate


0% Intro on Balance Transfers


Editorial Review

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


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
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

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 StatusDateCredit ScoreBureauCredit Limit
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
Capital One SavorOne Cash Rewards Credit Card



Rewards Range

1% -10%

Annual Fee


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



Rewards Range


Annual Fee


Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card



Rewards Range

1% to 2%

Annual Fee


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