Credit One Bank® Visa® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.99% ‐ 23.99% (Variable)
Balance Transfer
-
Rewards
1% cashback (1% cash back rewards)
Signup Bonus
-


5.3/10
Informr score
The Credit One Bank® Visa® Credit Card currently has an Informr score of 5.3 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

What's good

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability

What's bad

  • Starts with a low credit limit
  • Annual fee
  • May require a deposit

Credit One® Visa® with Credit Line Increase Reviews allows you to see if you’re Pre-Qualified. It’s easy, fast and won’t affect your credit score! Just give us a little information, review your available offer and then apply!


Am I eligible?


Credit One Bank® Visa® Credit Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Have a minimum personal income of $10000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Investopedia

If you have poor credit or no credit history, the Credit One Platinum Visa for Rebuilding Credit can give you access to an unsecured line of credit and the ability to earn rewards on your purchases. The card resembles AvantCard, another unsecured card that has a lower maximum annual fee ($49, compar...

- Kat Tretina, Investopedia
FinanceBuzz

The Credit One Platinum Visa for Rebuilding Credit can help people who have a poor financial history — or none at all. Unfortunately, the exact terms of this Credit One card aren’t very clear at the start. You won’t know what credit card you’ll receive, what cashback rewards you’ll qualify for, or y...

- Kevin Payne, FinanceBuzz
Compare Cards

The Credit One Bank Platinum Visa is geared toward the consumer who needs to find a card that will give them the tools necessary to improve their credit score and credit history. In that respect the card does a good job of offering a full-fledged card with several financial management and account ov...

- Compare Cards
LendEDU

For those looking for an easy rewards credit card with a fast application and approval, the Credit One Bank Platinum Visa may be the right choice. However, cardmembers need to be aware of the low credit limits, the annual fee that eats away at that limit, and the costs associated with the card befor...

- Melissa Horton, LendEDU

Details


Interest Rates
Regular APR Interest Rate 17.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00 - $99.00
Balance Transfer Fee
Cash Advance Fee 8%

Minimum of $5 OR 3% with a minimim of $10

Foreign Transaction Fee 3%

Minimum of $1

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay
Virtual Cards No
Additional Benefits

EMV chip technology

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income $10,000 per year


Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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