What`s going on with the website?
5
UpvotesReply
Rebecca Taylor
Works for me. Could be something on your end, but it wouldn't hurt calling them about it. The number's 877-825-3242.
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa®
Apply Now
Sponsored Card
Rewards8,547Reviews188Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Fair Credit
Annual Fee
$39
Rewards
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
APR on Purchases
24.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
May 5th, 2022
Credit One Platinum Pros & Cons
Rewards on eligible purchases
Qualify with fair credit
Membership fees
No rewards bonus
No intro APR on purchases
No balance transfers allowed
Credit One Platinum's Additional Info
| cash advance fee | $5/8%, whichever is greater (see terms) |
| cash advance APR | 24.24% (V) |
| foreign transaction fee | 3% or $1, whichever is greater |
| smart chip | Yes, chip-and-signature |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 0 or 24 Days (see terms) |
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
View your Experian credit score online for free, 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
Show off your personality by selecting from a variety of card designs, a fee may apply
Credit One Platinum Review FAQ
Don't see what you're looking for? Submit your question about Credit One Bank® Platinum Visa® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Questions sort
Is there a penalty fee for over withdrawal?
5
UpvotesReply
Gunther S
There isn't, because you can't take out more than your credit limit.
Does the Credit One Platinum have a grace period?
5
UpvotesReply
Cameron DiGiovanni
The Credit One Platinum may or may not have a grace period, depending on what the card terms say when an applicant gets pre-qualified. When the Credit One Platinum does have a grace period, it will be at least 24 days, lasting from the end of each billing cycle until... show more
Do I need to pay the full balance every month or can I pay just the minimum payment?
5
UpvotesReply
Robert Stark
You can just pay the minimum, but I wouldn't do that for too long. The interest will hurt!
How do I reply to a credit line increase offer?
5
UpvotesReply
Tommy S Davidson
They didn't tell you with the offer? TBH, I don't know if would reply. There's a fee of up to $49, and there'll be another hard inquiry.
Can I change the PIN number?
5
UpvotesReply
View more answers
How can I redeem my Credit One Platinum rewards?
5
UpvotesReply
WalletHub
You cannot redeem the Credit One Platinum rewards in a traditional way.
The cash back rewards that you earn on all purchases made with the Credit One Platinum Visa automatically post to your account each month, as a statement credit.
That means your outstanding balance will be reduced... show more
Do I need a bank account to apply for the Credit One Platinum card?
5
UpvotesReply
WalletHub
A bank account is not required to apply for the Credit One Bank Platinum Visa.
Do Credit One Platinum Visa rewards expire?
4
UpvotesReply
Chip Lupo
Credit One Platinum rewards do not expire as long as your account is open and in good standing. Credit One automatically redeems rewards earned each month on the statement closing date, in the form of a statement credit.
You will forfeit any rewards earned if your account is 60... show more
How much is the Credit One Platinum application fee?
4
UpvotesReply
Barry Keefe
The Credit One Platinum does not have an application fee, but you will be charged a $39 annual fee, depending on your specific cardmember agreement.
Compare The Credit One Platinum
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Transfer Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Regular APR24.24% (V)
Regular APR12.24% - 23.24% Variable
Regular APR12.24% - 23.24% Variable
Rewards Rate0 - 1% Cash Back
Rewards Rate1 - 5% Cash Back
Rewards Rate1 - 2% Cash Back
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Credit One Platinum Video Review
Credit One Platinum Reviews
Share your insights and review the Credit One Bank® Platinum Visa®
3.3
8,547 reviews
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5 Star Rating
Verified CustomerMy very first credit card no complaints highly recommended if you want to choose something to help build your credit I'm definitely using this one
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1 Star Rating
Verified Customer23.99 % Apr, try to look for a better card if you can, this is not a good card for the customer, it is however a credit card, but using 30 % or less of 500 credit limit, does not make this a good card for rebuilding your credit score,, not the best card for consumers
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5 Star Rating
Verified CustomerThanks for giving me a chance!!!
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5 Star Rating
Verified CustomerThis card is great, Highly recommend it to anyone that is looking to build their credit, I will be referring this card to many of my friends.
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2 Star Rating
Verified CustomerThere is nothing remarkable about this card. I simply obtained it when I was in the beginning stages of my credit building. They do not increase your credit lines. Their website for online bill pay has been upgraded so it looks "expensive" and it is user-friendly. Even has its own
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5 Star Rating
Verified CustomerGreat credit card company. Fair options. Helps you fix your credit, if you maintain your bill. Interest is not too high. Rewards they offer are decent.
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5 Star Rating
Verified CustomerI save this credit card for emergency situations that you can never know what could happen and with a family you can't afford to be left stranded
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5 Star Rating
Verified CustomerGood card to have put the interest rate is a little to high. Good on everything else but just not for me to have as a credit card.
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1 Star Rating
Verified CustomerAwful customer service! And they charge you in order to make a quick payment which is clearly a scam in order to make people desperate for purchasing power even poorer. The only compliment I can pass along is that they have attractive card designs.
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4 Star Rating
Verified CustomerIt’s ok for building credit . But poor app and customer service. Also they have the worst fees. I use it only to build credit! Try at own risk
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Review Credit One Bank® Platinum Visa®
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Offer last updated: May 5th, 2022 at 10:40 ET