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Credit One Bank® Platinum Rewards Visa

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This very basic Visa card is designed for consumers with poor credit, offering 1% cash back in a small handful of categories and a free option for checking one of your credit scores from Experian, but that’s about it. This card lacks any noteworthy benefits yet demands an annual fee of $95 for the privilege of rebuilding your credit.

Our rating
Min. credit level: Fair
Annual Fee: $95
Regular APR: 23.99% Variable

Credit One Bank® Platinum Rewards Visa

Our rating
Fair Min. credit level
$95 Annual Fee
Apply Now

Highlights & Features

(Rates & Fees)

Rewards

  • 1% cash back on:
    • Groceries
    • Gas
    • Mobile phone services
    • Internet
    • Cable/satellite TV services

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee See Terms
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 23.99% Variable
Cash Advance Fee $10.00/5%, whichever is greater (see terms)
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
Credit One Bank® Platinum Rewards Visa

Highlights

(Rates & Fees)
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges
  • Get free access to your Experian credit score online, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees
ABOUT THE ISSUER

Credit One Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-825-3242

You’ll earn 1% cash back on groceries, gas, mobile phone services, internet, and cable/satellite TV services, but that’s lackluster compared to most reward cards which offer 1% back on all purchases, at least.

You can view one of your credit scores from Experian for free and you’re protected with Visa Zero Fraud Liability, but that’s about it when it comes to benefits or worthy perks.

This card could be a suitable path for rebuilding poor credit, and the annual fee is only $95. Just take note it has a higher-than-average interest rate and very negative consumer reviews.

Check out our post to see why we typically don’t recommend cards from this issuer: Credit One vs. Capital One: Beware! They Are Very Different