Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit Summary
Looking to rebuild credit? We report to the major credit bureaus monthly
With $0 Fraud Liability, you won't be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
This unsecured card requires no deposit and can help build your credit
Choose your monthly payment due date for added convenience, terms apply
Creditnet's Full Review
If you have bad credit and are looking for an unsecured credit card that doesn't require you to have cash up front in order to open your account, the Credit One Bank® Platinum Visa® for Rebuilding Credit is a worthy option to consider. As with any credit card for bad credit, there will be annual fees and the credit card terms will not be great, but remember that the purpose of this card is to allow the opportunity to build positive payment history on your credit reports once again.
The Credit One Bank® Platinum Visa® for Rebuilding Credit for bad credit includes the following perks:
- Future credit line increases may be granted based on your overall credit performance
- Monthly Updates to All Major Credit Bureaus
- Extra Buying Power and $0 Fraud Liability
- Travel Accident Insurance and Auto Rental Collision Damage Waiver
Other helpful features include:
- Pick your payment due date to fit your schedule
- Choose your card design from Credit One's premium gallery
- Email or text alerts to remind you when your payment is due
Creditnet's Expert Rating & Review
by Elisabeth Chan on September 24, 2021
This card reports to all three major credit bureaus, so consumers can improve their credit scores while building their credit profile with responsible usage. The annual fee is also tiered from $0-$99, depending upon your credit level.
Least Favorite Features:
No introductory 0% APR period or rewards program, but that really shouldn't be expected for a bad credit credit card.
Our Final Take:
If you have bad credit and want an unsecured credit card in order to begin rebuilding your credit scores, the Credit One Bank® Visa® for Rebuilding Credit may be the perfect for you. It's a no-frills unsecured credit card for bad credit, but if you use it responsibly it could quickly lead to improved credit scores and even better credit card offers down the line.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | N/A | Credit Required: | bad |
| Intro Period: | N/A | Set Up Fee | N/A* |
| Ongoing APR: | 23.99% Variable | Annual Fee | $75 for the first year. After that, $99 annually ($8.25 per month) |
| Penalty APR: | N/A |
| Intro APR✝: | N/A |
| Intro Period: | N/A |
| Ongoing APR: | N/A |
| Transfer Fee: | N/A |
| Ongoing APR: | 23.99% Variable |
| Advance Fee: | Either $5 or 8% of the amount of each transaction, whichever is greater. |
| Other Rates | |
|---|---|
| Foreign Transaction Fee: |
Either $1 or 3% of each purchase in U.S. dollars, whichever is greater. |
| Min. Interest Charge: | N/A |
| Credit Line | |
| Min: | 300 |
| Max: | N/A |
| Penalty Fees | |
| Late Payment: Up to $39 |
|
| Over the Credit Limit: | N/A |
| Returned Payment: | Up to $39 |
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Credit One Bank- Be careful and don't go over your limit!
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