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Credit One Bank® Unsecured Platinum Visa®

Intro APR
N/A
Regular APR
19.99% - 25.99% Variable
Balance Transfer
N/A
4.25
Expert Rating: 4.25 / 5 stars

Credit One Bank® Unsecured Platinum Visa® Summary

  • Enjoy peace of mind with $0 Fraud Liability

  • See if you Pre-Qualify in less than 60 seconds

  • Receive 1% cash back rewards on eligible purchases, terms apply

  • Automatic reviews for credit line increases give you opportunities to get even more credit

  • Choose your monthly payment due date for added convenience, terms apply

  • View updates to your Experian credit score with free online access, terms apply

  • Access your account on-the-go with the Credit One Bank mobile app

  • Never miss an account update with customizable text and email alerts

Creditnet's Full Review

The Credit One Bank® Unsecured Platinum Visa® is a fully unsecured card for consumers with less-than-perfect credit.  That means you don't need to make a cash deposit in order to utilize this card.  In addition, Credit One offers prequalification in less than a minute, so you can make sure you don't waste a hard credit pull on a credit card for which you might not get approved.

If approved, cardholders can earn 1% cash back on gas and groceries, there are no setup fees, and the annual fee will range between $0-99 depending upon credit worthiness.  Cardholders will also receive automatic reviews for credit line increases, so you can continue to keep your credit utilization ratio low and enjoy watching your credit scores increase over time.

 

Creditnet's Expert Rating & Review

by on November 5, 2018

4.25
Expert Rating: 4.25 / 5 stars
Favorite Card Features:

Cardholders can earn 1% cash back on gas and grocery purchases and get their payment history reported to all 3 major credit reporting agencies.

 

 

Least Favorite Features:

High interest rates and potentially a hefty annual fee.  Don't carry a balance on this credit card!

 

Our Final Take:

The Credit One Bank® Unsecured Platinum Visa® is a solid credit card option for consumers with less-than-perfect credit who want an unsecured credit card that offers rewards.  Keep your balances low, always pay your credit card bill in full and on time, and the Credit One Platinum Visa Cash Back Rewards Credit Card should serve as a great tool to help you build your credit.

 

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.

Purchase Rates
Intro APR: N/A Credit Required: fair
Intro Period: N/A Set Up Fee N/A*
Ongoing APR: 19.99% - 25.99% Variable Annual Fee $0-$99
Penalty APR: 25.99
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: 25.99% Variable
Advance Fee: Thereafter, either $5 or 8% of the amount of each cash advance, whichever is greater.
Miscellaneous
Other Rates
Foreign
Transaction Fee:
N/A
Min. Interest Charge: N/A
Credit Line
Min: N/A
Max: N/A
Penalty Fees
Late Payment:
Up to $35
Over the Credit Limit: N/A
Returned Payment: Up to $35

User Reviews

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Average user reviews

Based on 1 review

Overall
5
Customer Service
4
Reward Redemption
5
Accuracy of Statements
5