Credit Card Review & Application

Credit One Bank Platinum Visa


out of 5

- 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

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 17.49% - 25.49% (V) *
Annual Fee: $0 - $99*
Card Issuer: Credit One Bank®
Card Network:
Card Category: Consumer (Regular)
Card Type: - Reward Card
Credit Needed: Fair*

The Credit One Bank® Platinum Visa® is different than the average credit card, as it services multiple credit classes rather than one targeted customer base. This allows more individuals to enjoy what the Credit One® Credit Card has to offer. For instance, cardholders can receive one of a number of annual fees and one of a number of APRs. Both are based on creditworthiness. This means that the APR can vary along a scale of approximately five percentage points.

The annual fee may also be discounted the first year and then broken up over the 12 month period the second year. That way the fee does not have to be charged at once on the card's anniversary date.

To get started, all you have to do is visit the Credit One® website and get pre-qualified. It is a process that doesn't affect your credit score. If you are pre-qualified, you can move on to the application process. If you received a mail offer, you can enter the offer number on the website and move forward with your application. From there, you will receive a fast decision on whether or not you are approved. If you are approved, you will receive your card within two weeks and can begin using your card anywhere Visa is accepted.

Once the card is received and used, there are benefits that are given. For instance, there is free Monthly Credit Score Tracking. This service enables cardholders to monitor their credit scores online, as well as see what is on their credit report so that they are able to challenge items when needed and ensure that everything is correct. Add this to the cash back on qualifying groceries and gasoline purchases and this single card possesses two benefits that can be money savers.

As the card is used and payments are made on time, automatic credit line increase reviews occur. This means that you don't necessarily have to call to request a review when you need a credit line increase. This means you could receive a nice surprise when a review is done and you are given an increase that you are not expecting. It also shows that the card issuer does pay attention to when its account holders keep their cards in good standing.

Furthermore, cardholders receive platinum status, which makes the card a bit more special than the average level card. The fees are average when compared to cards like it, aside from the annual fee and how it is charged. The card dos have an authorized user fee that is charged annually if you wish to add an authorized user to the card. It also has a cash advance fee, but this fee could have an introductory period in which there is no fee to obtain cash advances from the card. As for penalty fees, they are standard with late payment and returned payment fees. If a late payment is the result of a returned payment, then both fees are going to be charged.

Finally, there is the Online Account Management option and the fraud protection. First, you are able to manage your account easily online. Most of what can be asked of customer service by calling the number on the back of the card can be found out through Online Account Management.

Cardholders can check the balance, available credit, minimum payment amount, make a payment, and much more. If there are any matters that need customer service, such as reporting a lost or stolen card, customer service can be called. It is important to report a lost or stolen card as soon as possible so that the card can be cancelled and a new one issued. If fraudulent charges have been made to the Credit One Bank® Platinum Visa® by the time it is reported, there is no liability on the cardholder's part as long as the fraud is reported as soon as possible.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Type: - Cash Back Reward Cards
Reward Unit: Cash
Rewards: - 1% on eligible purchases, terms apply
Expiration: None*
Yearly Limit: None*
Other Benefits: *See Terms and Conditions of the card for other benefits
Credit Reporting: See Terms
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 17.49% - 25.49% (V) *
Annual Fee: $0 - $99*
Grace Period: See Terms*
Late Payment Fee: Up to $37*
Balance Transfer: No
Additional Fees Returned Payment Fee: Up to $35
Foreign Transaction Fee: 3% or $1.00, whichever is greater

We do not offer online application for this card at the moment.

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† 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.

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