- Receive 1% cash back on eligible purchases, terms apply
- Make paying your bill easier with the ability to choose your payment date. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Zero fraud liability protects you from unauthorized charges
- Monitor your credit with free online access to your credit score
- Show off your style with a premium card design, a fee may apply
- Receive opportunities for credit line increases, a fee may apply
- Email or text alerts to remind you when your payment is due
4.0 / 5.0 (18 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
17.49% - 25.49% (V)*
Annual Fee:
$0 - $99*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Reward Card
Credit Needed:
Grace Period:
See Terms*
Late Payment Fee:
Up to $37*

Balance Transfers

Balance Transfer:

Other Fees

Additional Fees
Returned Payment Fee: Up to $35
Foreign Transaction Fee: 3% or $1.00, whichever is greater

Review by

The Credit One Bank® Platinum Visa® is competitive for its type in that it does something a bit different by charging its annual fee based on creditworthiness rather than charge a single fee to everyone. The APR is also based on creditworthiness, which is typical of credit cards. The APR range is approximately six percentage points from the lowest to the highest APR that can be issued on the card.

After the annual fee is initially charged to the card, it is charged in monthly increments the following years. As long as payments are made on time and the card is in good standing, then automatic credit line increase reviews will be made so that the cardholder does not have to request them.

Another feature is the unlimited cash back on gas and groceries purchases. The cash back is given in the form of statement credits so that the balance is reduced. It does not reduce the amount of the monthly payment, but does reduce the total amount that is owed.

Lastly, there is the $0 fraud liability policy by Platinum Visa. This policy states that if you report fraud within a specific period of time, you don't have to be liable for it. In other words, your money is protected and so are your interests and your credit through this policy.


Most attractive:
- Platinum Status
- Credit Reporting
- Sub-Prime card benefits
Least attractive:
- Annual Fee
- No bonus rewards

Rewards & Benefits

Reward Type:
Cash Back Reward Cards
Reward Unit:
- 1% on eligible purchases, terms apply
Yearly Limit:
Other Benefits:
*See Terms and Conditions of the card for other benefits
Online Access:
Credit Reporting:
See Terms

The information provided for Credit One Bank® Platinum Visa® is believed to be accurate at the time of evaluation (Jan 31, 2018). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.