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Credit One Bank® Platinum Visa®

Credit One Bank® Platinum Visa®

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 Review

The Credit One Bank® Platinum Visa® is a decent unsecured credit card for people with fair credit that offers 1% cash back on eligible purchases and charges an annual fee of $39. Although it does not require a security deposit, the Credit One Bank Credit Card is not cheap.... show more

View 8547 User Reviews

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

max penalty APR

None

grace period

0 or 24 Days (see terms)

Apply Now

at Credit One Bank's secure site

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

Apply Now

at Credit One Bank's secure site

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.

What is the Credit One Platinum exchange rate?

Upvotes

Evelyn Boros, Credit Cards Moderator

The Credit One Platinum card exchange rate is Visa's exchange rate on the date you make a purchase, plus any foreign transaction fees. While Visa exchange rates change daily, the Credit One Platinum foreign fee is always 3% or $1, whichever is greater.

It's best to use a credit card with no foreign transaction fee when making purchases from international merchants. As long as you have such a card and avoid dynamic currency conversion, the exchange rates you'll pay on international spending with a credit card will be much lower than those you'd get from converting cash with banks, credit unions, or airport currency exchange services.

What are the Credit One Platinum transfer partners?

Upvotes

Evelyn Boros, Credit Cards Moderator

Credit One Platinum does not have transfer partners, unlike many other popular credit cards. Credit One Platinum rewards are redeemable only for statement credits and cannot be transferred to another loyalty program.

How much is the Credit One Platinum cash advance fee?

Upvotes

Chip Lupo, Credit Card Writer

The Credit One Bank® Platinum Visa® cash advance fee is $5/8%, whichever is greater (see terms). The specific fee amount varies from card to card, so make sure you check your Cardholder Agreement to find out what charges apply to yours specifically. A cash advance fee is charged when... show more

Is Credit One Platinum Card metal?

Upvotes

Kendall Morris, Credit Cards Moderator

The Credit One Bank® Platinum Visa® is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Credit One Platinum card and a metal credit card, though, so don't dismiss the Credit One Platinum... show more

How can I get a Credit One Platinum cash advance?

Upvotes

WalletHub

To get a Credit One Platinum cash advance:

Call Credit One Bank customer service at 1 (877) 825-3242 and request a PIN, if you don't already have one. Alternatively, sign in to your online account and select "Settings" in the site menu or at the top of your... show more

When does the Credit One Platinum card report to credit bureaus?

Upvotes

Chip Lupo, Credit Card Writer

The Credit One Bank® Platinum Visa® reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. Credit One Platinum reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Credit... show more

How much is the Credit One Platinum foreign transaction fee?

Upvotes

Evelyn Boros, Credit Cards Moderator

The Credit One Bank® Platinum Visa® foreign transaction fee is 3% or $1, whichever is greater. This means Credit One Bank will add a surcharge of either 3% or $1, whichever is greater, anytime you use the Credit One Bank® Platinum Visa® outside of the United States. The... show more

How do I report a lost Credit One Platinum card?

Upvotes

Cameron DiGiovanni, Writer

You can report a lost Credit One Platinum card by calling Credit One customer service at 1 (877) 825-3242. Credit One will request some security information in order to verify your identity before sending a replacement.

How to Report a Lost Credit One Platinum Credit Card

... show more

How do I contact the Credit One Platinum Card reconsideration line?

Upvotes

Sebi Mitchell, Credit Cards Moderator

To contact the Credit One Bank® Platinum Visa® reconsideration line, call 1 (800) 752-5493. The Credit One Platinum Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.

If you call to request reconsideration from... show more

How do I dispute a Credit One Platinum charge?

Upvotes

Sebi Mitchell, Credit Cards Moderator

To dispute a Credit One Bank® Platinum Visa® charge, call Credit One customer service at 1 (877) 825-3242. Alternatively, the address to dispute a charge by mail is:

Credit One Bank
Attn: Dispute Department
PO Box 98876
Las Vegas, NV 89193-8876

Credit One Platinum disputes are typically... show more

Compare The Credit One Platinum

Credit One Bank® Platinum Visa®

Discover it® Cash Back

Upgrade Triple Cash Rewards Visa®

(8,547)

(1,497)

(25)

Purchase Intro APRNot Offered

Purchase Intro APR0% for 15 months

Purchase Intro APRNot Offered

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 APRNot Offered

Regular APR24.24% (V)

Regular APR12.24% - 23.24% Variable

Regular APR8.99% - 29.99%

Rewards Rate0 - 1% Cash Back

Rewards Rate1 - 5% Cash Back

Rewards Rate1 - 3% Cash Back

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Rates & Fees

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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

What's Your Rating?

Eric Ezell
January 16, 2021 • @seansmailbox70

Do not get this card. These people are very annoying. I pay my bill on time every month. They call you 2-3 times 7 days before your due date, and want you to pay your bill early. This is very annoying. I asked them nicely to stop calling me the first time this happened. The following month they did it again. I was not nice this time. Whoever called me the second time got “an ear full “. I guess that worked because they didn’t call back again since then.

Comment

jefec77
January 2, 2021 • @jefec77

Been making payments to the card regularly, then out of nowhere, they freeze my account, because they "need to verify " the bank that I have been making payments with this whole time is actually my bank. I have to wait 5-7 days before they turn it back on, left me with no way to get gas to go to work, because I made regular payments.

Comment

James Murphy
December 22, 2020 • @tripsright

I had my card for 12 months never missed a payment and never got a credit increase pay early before due date. I can't believe people really got increases that quick. I will pay my little balance and then close my account. I guess having a good pay history doesn't matter

Comment

Samantha
January 24, 2021 • @samanthaf_26

I have been with them 10 months, pay my balance in full and still no increase, as soon as I close on my house, I will ve closing this account

Comment

plpennylo
November 23, 2020 • @plpennylo

Verified Customer

This card they are thieves. Do not use it they are thrives!! Had this card for a year after paying the balance they kept charging fees even when act was zero balanced. Would not recommend. Use your bank!!

Comment

smith300034
November 17, 2020 • @smith300034

Verified Customer

I have never had an issue. I used my card responsibly. Never paid interest or carried a balance. Read and understand the terms of the agreement you accept. I dont understsnd why some say "they unknowingly charged me an annual fee monthly and i did not know". If you read the terms you would know that. I started with a 300 limit card and im now at 500 and waa issued another card with 800. Never had issue's making payments or setting up direct payments. I appreciate them giving me a chance.

Comment

Nathan Hamilton
October 22, 2020 • @nathanshamilton

ONLY if you have no other option for a card should you get this card! Even with bad credit, their fees are outrageous and most of your payment goes toward fees/interest so unless you pay large amounts, you will not pay the balance off. I got enough to pay off my final balance only to get a notice on the account that I still owed another $5 (yes it is a big deal) and they refused to waive it and customer service sucks....they only care about your payment

Comment

misspoet73
October 20, 2020 • @misspoet73

Credit One Bank erroneously withdrew $40 from my bank on 10/1, as a duplicate payment, so my bank put a stop payment on the transaction because I caught it the same day. Then they put 2 returned payments on my account, again in error. I had to phone in on 10/1, 10/5, 10/8, 10/10, and 10/12, speaking with numerous people including “upper management” to get this resolved. On 10/13, they finally fixed my account and credited it an extra $5 for my troubles.
However, on 10/15, I received another alert that I’m over my limit. I check my account and find that they slapped on a $25 fee for a Returned Payment. It was not a returned payment! It was a stop payment on their incorrect withdrawal attempt to my bank account. I had even told them twice on those numerous calls to make sure they don’t put that fee on my account! They said they hadn’t and weren’t going to since it was all their mistake.
As of 10/20, and after I had already sent them two messages through the portal, they still haven’t resolved this. They didn’t even respond to the messages. So, I called them and was told they need “time to investigate” so give a couple more days. It’s bogus! My credit score has already dropped.

Comment

Julie
October 18, 2020 • @juliec6

Verified Customer

I see all of the bad reviews on this card, but I applied and was approved. Those with credit issues have to know that there will be higher fees for less then perfect credit. I have had the card for a little over a month and I make my payment through express pay and yes there is a charge, but the amount is available right away if you need to use it. I pay the total balance due at the end of the month before the actual due date. This will insure no late payments and optimal use of the card and less fee paid to the card issuer. Use the card smart. Only use credit amount that you can afford to pay back quickly.

Comment

osofast
October 16, 2020 • @osofast

Verified Customer

Stay away. I paid the minimum using my paypal checking account. The payment was denied and they charged me a late fee. No email no texts to tell me payment was denied. They closed my account and now i have to call them everytime to make payments. Sh8ty card company. I have 10 other credit cards that are in good standing but this company Fckd my credit score. Stay away.

Comment

Tiffanie
March 19, 2021 • @tiffaniedavis13

Same here! I paid with my PayPal account thinking it would be okay why not right? Well no notice no nothing hit with late fee and returned payment fee I am just hoping to get A better card since I’m just starting this credit stuff and then I am ditching this company! U pay for everything even a monthly fee just to use the card smh like come on, taken advantage of ppl starting over… show more

Comment

Rm Minzlaff
October 16, 2020 • @yellowang13

It's a scam. No one will work with you. They have actively tried to make it impossible to pay off and close the account. I am looking at my final payment that is overdue, but they locked me out of my account and are saying that they do not recognize my form of payments over the phone. They keep trying to convince me to keep the account open every time I call. The only time I am able to talk to a human is if I press "report stolen card" option when I call in.

I keep seeing Credit One accounts go to collections and I apologize for the fact that i used to think that the debtor was at fault. It is clear to me that Credit One is to blame. Do not get this card.

Comment

Review Credit One Bank® Platinum Visa®

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Credit One Bank® Platinum Visa®

Credit One Bank® Platinum Visa®

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Credit One Platinum Pros & Cons

Credit One Platinum Review

Credit One Platinum's Additional Info

Credit One Platinum Review FAQ

How to Report a Lost Credit One Platinum Credit Card

Compare The Credit One Platinum

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Credit One Platinum Video Review

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