What`s going on with the website?
6
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
Rewards8,687Reviews192Q&AContact
RewardsAPRWalletHub 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
26.24% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
September 30th, 2022
Credit One Platinum Pros & Cons
Rewards on eligible purchases
Qualify with fair credit
Membership fees
High Regular APR
Foreign fee
Credit One Platinum's Additional Info
| cash advance fee | $5/8%, whichever is greater (see terms) |
| cash advance APR | 26.24% (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
Can't find what you are 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?
6
UpvotesReply
Gunther S
There isn't, because you can't take out more than your credit limit.
How do I retrieve my credit card number?
6
UpvotesReply
Paul Gerber
You can just find that on the front of your card.
Does the Credit One Platinum have a grace period?
6
UpvotesReply
Do I need to pay the full balance every month or can I pay just the minimum payment?
6
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?
6
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.
How much does it cost to add a Credit One Platinum authorized user?
6
UpvotesReply
How much is the Credit One Platinum application fee?
5
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.
Does Credit One Platinum do a hard pull?
5
UpvotesReply
How much is the Credit One Platinum minimum payment?
5
UpvotesReply
View more answers
Compare The Credit One Platinum
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR26.24% (V)
Regular APR14.99% - 29.99%
Regular APR15.99% - 29.99% (V)
Rewards Rate0 - 1% Cash Back
Rewards Rate1 - 3% Cash Back
Rewards Rate1 - 1.5% 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
8,563 reviews
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4 Star Rating
Verified CustomerGreat starter card to build credit. Pay on time, do not max out your card and pay more than the required payment. Good and fair company to start credit with.
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4 Star Rating
Verified CustomerThey are a good card. Just like any other you have to pay them on time and keep your credit usage below 30%. The only thing I hate is that they offer no online chat help. The real nice thing is the instant payment where the credit is instantly applied for a small fee.
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1 Star Rating
Verified CustomerThis is a credit rebuilding card. The higher usage this month was based on my son not working and using the card to pay car registration and medical bills
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2 Star Rating
Verified CustomerWorst credit card company in the entire universe. “Express pay” for an extra $7.95 is a complete lie. You’re supposed to gain access to your funds immediately and after paying the fee you still have to wait 4-7 business days.
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4 Star Rating
Verified CustomerI had issues with the company in the beginning. They were not responsive and were slow to post payments. Things for the most part are better now. My only complaint is that they are slow to report payments.
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5 Star Rating
Verified CustomerStarted me with 500.00 and I had a 667 credit score... I had this card 13 months and today i got a raise to 1500.00 , but I always paid it off no matter it I had a 400.00 balance . I think if people can show you have the capacity to pay off large amounts charged then most credit cards companies witll reward you. I requested a limit increase twice and was denied and yes they did it today. I like the card and support. It is better than Capital One to me....
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5 Star Rating
Verified CustomerI am very happy with my credit card! CreditOne Bank is the only company that gave me a credit card let alone send me a Pre-Qualified application and received my credit card within 2 weeks.
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5 Star Rating
Verified CustomerI haven’t had any problems with my credit one bank card. It comes in handy and was valuable when I was rebuilding my credit. Great card.
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3 Star Rating
Verified CustomerThey offered this card (I have another with them) which gave the option of a higher limit but it comes with an annual fee which is charged when you receive the card whether you use it or not. What’s even worse is that fee reduces your limit by that amount so if the fee is $50 a $1000 limit is actually only $950. This didn’t feel right to me.
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1 Star Rating
Verified CustomerThey allowed this account to be double charged and said that it was a credit. I closed my account after many years because they continued to lie to me.
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Review Credit One Bank® Platinum Visa®
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Offer last updated: Sep 30th, 2022 at 11:45 ET