- 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 (90 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:
Card for Bad Credit
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 a unique credit card designed for those individuals with poor/bad credit. Unfortunately, many individuals have been led to believe they cannot have a quality credit card due to their credit status, but Credit One® has proven this to be a myth, as they have given those with fair credit the opportunity to obtain a platinum card through a simple application process.

This platinum card has an average APR for its type, but the fees are low when compared to other fair credit-based credit cards. They do not consume the greater part of the available credit, which means the cardholder is able to immediately use the card for purchases. In addition, there are a number of unique features, such as the ability to customize the card after approval, credit protection if unemployment or illness occurs, and credit score tracking that is free with online account management.

It is through the easy-to-use online account management that cardholders are able to check their account balance, available credit, transactions, payment history, and make payments. All of this is available after a simple registration process that involves creating a username or password. Online access can then be obtained anywhere there is an Internet connection, including the browser of a Smart Phone. This makes checking available credit on the go very easy, avoiding such situations as the card being declined at checkout since more money than what is on the card cannot be spent. If Internet access is not available, there is a hotline that can be called 24/7 when information is needed.


Most attractive:
- Card for Poor Credit Applicants
- Credit reporting
Least attractive:
- Annual fee
- No bonus rewards

Rewards & Benefits

Reward Unit:
- 1% on eligible purchases, terms apply
Yearly Limit:
Other Benefits:
*See Terms and Conditions 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.