Power’s 2019 customer satisfaction survey. Service does not apply to Cuba, Syria, Sudan, Iran, North Korea, Crimea and other countries listed on OFAC. Our agents at the Visa Customer Service Center will help you activate all benefits and services offered with your Visa Platinum card, including the international emergency medical services. The Credit One Bank Platinum Rewards Visa Card (formerly called the Credit One Bank Platinum Premier Visa) gives people with imperfect credit a chance to get some cash back on their everyday purchases. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas: With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Power Finds. U.S. Department of Labor. As mentioned above, you’ll earn 5% cash back on the first $5,000 you spend on eligible gas, groceries, internet, cable, satellite TV, and cellphone services each calendar year. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. You can learn more about the standards we follow in producing accurate, unbiased content in our, Credit One Bank Platinum Rewards Visa Card Review. 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. You should also consider pairing this card with another card that offers more than 1% cash back on everyday expenses (and doesn’t charge an annual fee). This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Besides using this card whenever you have 5% cash-back earning opportunities, use it at retailers who participate in the More Cash Back Rewards programs to earn automatic cash-back bonuses while out and about. Accessed April 16, 2020. Credit One Bank. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases. Rates, terms, and loan amounts are based your creditworthiness; all loans are subject to credit approval. Finding a rewards card offering more than 1% cash back can be challenging for people with average credit. Annual Fee: The Credit One Visa for Rebuilding Credit card does have an annual fee, as do most cards in the secured card market. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges. The card, offered by Credit One Bank earns 1% back on eligible purchases. This card provides a modest credit line, which can make it good for emergencies, too. When evaluating offers, please review the financial institution’s Terms and Conditions. This card doesn’t have the insurance benefits or purchase protections many competing cards offer. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The most noteworthy features on the card include: The cost of the credit protection plan will depend on your card balance. The card also features a $39 annual fee. It comes with an annual fee from $0 to $99, depending on your credit score, and a complex rewards structure where you can earn 1% or 1.1% cash back on select categories; This also depends on your creditworthiness. The Credit One Bank® Platinum Visa® for Rebuilding Credit card is best for those with Bad/Poor credit who are trying to establish or rebuild their credit. Accessed April 16, 2020. These days, you need a payment card for everything from renting a car to buying textbooks and airline tickets online. The bank will automatically credit your monthly statement with your rewards amount, so it’s like getting a small rebate on each purchase you make. J.D. "Platinum Rewards Visa." The Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured card available to consumers with poor credit. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances. The Credit One Bank Platinum Rewards Visa Card comes with industry-standard security features, such as opt-in account alerts and zero fraud liability.. This information may have changed after that date. For example, purchases at warehouses like Sam’s Club and Costco won’t count, and neither will groceries bought at convenience or drugstores. All financial products, shopping products and services are presented without warranty. One year I did have a fraudulent that was charged to me. The Credit One Platinum Rewards with No Annual Fee is a better value than the Platinum Visa credit cards, but it’s missing the decent features from the Credit One American Express® Card. Which Cash-Back Credit Card Is Best for You? Visa Credit Cards Accepted in more than 200 countries and territories, Visa branded cards offer a secure and reliable way to pay for what you need, anywhere in the world. Earn 1% in Disney Rewards Dollars on all card purchases. See our, Blue Cash Preferred Card Review: Rewards May Outweigh Annual Fee, Citi Double Cash Card Review: Cash Back with No Annual Fee, Chase Freedom Unlimited Credit Card Review: Many Ways to Earn Rewards. All other purchases will also earn 1% cash back, with no limit on total earnings.. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. The Credit One Bank Visa Card is an unsecured credit card option for people with poor credit. Facts About Credit One Bank Unsecured Platinum Visa Card. Learn about our independent review process and partners in our advertiser disclosure. Choose from more than 20 unique card … Besides the $95 annual fee, this card charges a foreign transaction fee of 3% of the purchase amount (with a $1 minimum) when you use your card abroad. In addition, if you request a credit limit increase (rather than being offered one), Credit One Bank may charge you a convenience fee, which will vary based on your creditworthiness, according to a spokesperson. Pre-qualified offers are not binding. Credit One Bank is not responsible or liable for, and does not endorse or guarantee, any products, services, information or recommendations that are offered or expressed on other websites. However, they will pay an annual fee. Late Payment Fee Up to $39 (terms apply) Cash Advance Fee: $5.00/8% or $10.00/3%, whichever is greater (see terms) Foreign Transaction Fee 3% or $1.00, whichever is greater ... Members First Credit Union Utah VISA Platinum Rate Cards; Just tell us some details and see which card matches your needs most. Cardholders can earn up to 5% with the Credit One Platinum Premier Visa card on the first $5,000 spent on selected purchases, and the other 1% unlimited cashback is offered on everything else. The Credit One Bank® Visa® Credit Card is one of the most popular credit cards for people with bad credit, largely because it’s one of the few unsecured cards that applicants with poor credit scores can get approved for. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. ** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. Once you’ve reached that cap, you’ll earn 1% back in those categories. The Credit One Bank Platinum Rewards Visa Card (formerly called the Credit One Bank Platinum Premier Visa) gives people with imperfect credit a chance to get some cash back on their everyday purchases. The high annual fee, high APR, and relatively meager rewards you get with the Credit One Bank® Platinum Visa® for Rebuilding Credit might lead to an increase in your score, or it might not. Not all grocery and gas purchases will be eligible for the 5% cash-back rate. If you cannot afford to pay a deposit to get a secured credit card, then the Credit One Bank Platinum Visa card is right for you. Credit score is one of the many factors lenders review in considering your application. You can’t get cash or buy a gift card like you can with some other cards. Click the 'Return to CreditOneBank.com' button to return to the previous page or click 'Continue' to proceed to the third-party website. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. When evaluating offers, please review the financial institution’s Terms and Conditions. Credit one was able to freeze my account and replace my car right away. And if you don’t already have the card, consider waiting until later in the year to get it so the cap on rewards—determined by calendar years—doesn’t limit you as much in those first months. Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. To find out what may have changed, call us at 800.421.7111. And with your Visa branded card, you can access cash at over 2.5 million ATMs worldwide. Published Platinum Rewards Visa rates, terms, and conditions effective as of 11-01-2020 and are subject to change at any time. No one can influence which cards we review, the way we present them to you, or the ratings they receive. Competing cards, including others offered by Credit One Bank, will earn you significantly lower rates of cash back. I had no credit and a low score at the time. With the Credit One Platinum Premier Visa card, cardholders can … The Credit One Bank Platinum Visa is perfect for everyday purchases and rebuilding credit. The Credit One Platinum Visa is an excellent cash back rewards credit card for those who plan to use their card to pay for their utilities and errands. The market researcher looked at factors like terms, benefits, rewards, communication, and interaction, assessing the responses of more than 28,000 card customers., The bank doesn’t offer online chat support, which is inconvenient if you can’t or don’t want to make a phone call. Favorite Card Features: While this card doesn't require a security deposit as collateral, credit limits of up to $1,500 are offered. Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions The Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. Now I have 740 credit score. This shouldn’t be a long-term rewards card. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns. "Credit One Bank Customer Service." For the people having average credit can be challenging to find a rewards card offering more than 1% cashback. Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. After that, $0 to $99. (For cards marketed for fair credit, you'll often earn only 1%-3% cash back, depending on whether that rate applies to all spending or just certain categories of merchants.) You can earn additional cash back—as much as 10%—at retailers who participate in the More Cash Back Rewards program. Credit One Bank doesn’t disclose much information about the program, but some of the big name participants include Walmart, Pizza Hut, Gap, and Costco, according to a spokesperson. You are probably wanting to know all about the facts about Credit One Bank Unsecured Platinum Visa card. Cash Advance Fee is $20 or 2.00% of the amount of … "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Get the Credit One Platinum Card card today. Credit One Bank® Unsecured Visa® for Rebuilding Credit: Details and benefits If it’s difficult to understand what a credit card has to offer, that’s usually a bad sign. Pre-qualified offers are not binding. Credit one was my first card, They didn't turn me down. Accessed April 16, 2020. NerdWallet strives to keep its information accurate and up to date. If you’ve got a modest budget and at least fair credit, this card is a decent option for earning cash back at a competitive rewards rate—5% of your purchases—on a wide range of everyday spending categories (gas, groceries, internet, cable, satellite TV, and cellphone services). These include white papers, government data, original reporting, and interviews with industry experts. Credit One Bank® Cash Back Rewards Credit Card and Credit One Bank® Platinum Visa® for Building Credit 1% cash back on gas, groceries, mobile … While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. ©2020 Capital One. Earn 2% unlimited cash back towards your financial goals. While this offering isn’t packed with the richest rewards or best benefits, it gives you the chance to bolster your all-important credit … "DISCLOSURES AND TERMS & CONDITIONS FOR CREDIT ONE BANK'S CREDIT CARDS AND CREDIT PROTECTION PROGRAM." Credit One has been good to me. Automatic account reviews to determine if you qualify for a credit line increase. If you are building your credit history, take advantage of the rewards it offers now and then move on to a more generous card once you’ve improved your score. Credit One Bank® Visa® Credit Card Disclosure: Annual fee $0 to $75 for the first year. Plus 1.0% cash back rewards on all other purchases. Power Finds." Anybody with a credit score of between 350 – 850 can get the card. Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases. In addition to a $300 minimum credit line, Credit One’s Platinum Visa offers rewards and regular credit-limit increases, or at least the potential for both. The Unsecured Platinum Visa from Credit One Bank is one such card. However, this card's low ceiling on earnings (about $417 a month) is a major drawback, considering that the average U.S. household spends about $372 a month just for groceries., In fact, if you spend at least $1,000 a month on gas, groceries and the eligible utilities, you’re better off getting a no-fee card without a limit on earnings, even if it pays just 2% cash back on similar categories. Generally, customer service is available into the evening and on weekends, though not 24/7 (unless you want automated account information or need to report a lost or stolen card.). Earn 2 Amtrak Guest Rewards points per $1 spent with Amtrak and 1 point spent on all other purchases. Earn 2 points per $1 at US supermarkets on up to $6,000 per year. We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Extra 0.1% cash back is a minimal difference, but overall, this card has a solid cash back rate considering it’s an unsecured card for those with bad credit. Accessed April 16, 2020. For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. The terms you’ll be offered vary depending on your creditworthiness, and you won’t even find out what they are until you’re approved. There is no bonus for the card, but there is an $0-$99 annual fee. An annual budget of $12,000 for gas, groceries, and the other bills listed would net you $240 a year with such a card, compared to $225 with the Credit One Bank Platinum Visa (after subtracting the cost of the annual fee.). But aside from their affiliation with Capital One, these two cards are a world away in terms of the benefits they offer and the reasons why a cardholder might choose them. "Terms and Conditions: Credit One Bank More Cash Back Rewards Program Supplement." That said, there may be more upside for the card, depending on where you shop. In most cases, you can find something less expensive if you opt for a secured credit card. You’ll have free access to your Experian credit score and a monthly summary of your credit report to help you keep tabs on your overall credit health. Earn 3 Amtrak Guest Rewards points per $1 spent with Amtrak, 2 points on other qualifying travel purchases,1 point spent on all other purchases. April 16, 2020. Credit One Bank. If you use the coverage, you won't be able to use your account., Credit One Bank got the worst marks among 11 national credit card companies ranked in J.D. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees. Choose from more than 20 unique card designs, a fee may apply, Free online credit score tracking included, Enjoy the flexibility to choose your payment due date, terms apply, Stay in-the-know with customizable account alerts via email and text, Enjoy peace of mind with $0 Fraud Liability, No deposit requirements and opportunities to build your credit, Manageable credit lines up to $1,500 or more, Navy Federal Credit Union® nRewards® Secured Credit Card, 10.99% intro APR on Balance Transfers for 6 months. At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises® and our sister brands, Royal Caribbean® and Azamara®.1 MyCruise point per $1 on all other purchases. The high APR might give some pause, but if the balance is paid off in full each month, interest fees shouldn’t be a problem. The Balance requires writers to use primary sources to support their work. NerdWallet's ratings are determined by our editorial team. However, credit score alone does not guarantee or imply approval for any credit card offer. Redeeming rewards with the Credit One Bank Platinum Rewards Visa Card is super simple, even as cash-back cards go. That means poor to excellent credit scores are eligible to utilize the services of Credit One Bank Platinum Visa card. Cardholders also receive 10% more (1.1% back) at select retailers. Why it's one of the best platinum credit cards to get: The Credit One Bank® Visa® Credit Card is the best unsecured platinum credit card for bad credit because its annual fee could be as low as $0 (annual fee is $0 - $99, depending on creditworthiness). While this is definitely a no-fuss feature, it’s also a bit restrictive. Credit One … 5.0% Cash Back Rewards on eligible gas, groceries, mobile phone service, internet service, and cable & satellite TV services purchases for the first $5,000 per year, and then 1.0% thereafter. All financial products, shopping products and services are presented without warranty. We also reference original research from other reputable publishers where appropriate. An opt-in credit protection program that lets you skip your minimum payments for up to six months if you lose your job or become disabled. On the plus side, you can manage your account online and through the Credit One Bank mobile app. "How Credit Actions Impact FICO® Scores," Accessed April 16, 2019. Credit One Bank. The Credit One Bank Platinum Rewards Visa is a practical credit building card with a better-than-most rewards program that offers several ways to earn cash back rewards and plenty of discounts. myFICO. Find out if you pre-qualify today. The Visa Classic card is an ideal first card because of its simplicity, flexibility, and worldwide recognition.Whether you're a student, a young couple, or someone trying to establish credit, apply now for the convenience of owning a Visa card. "Bureau of Labor Statistics: Consumer Expenditures 2018." I have Credit One for 7 years now. Power. Earn 1% cash back on all eligible purchases—and when you redeem it to pay down eligible debt, save, or invest with SoFi, we'll throw in an extra 1% toward your goal, for a total of 2%. Earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines and 1X FunPoints on all other purchases. The Credit One Bank Platinum Rewards Visa is an unsecured card for consumers with fair to good credit that are looking to continue rebuilding their credit. 3 Rates for Visa Platinum Credit Card with rewards are from 9.80% APR – 19.80% APR based on creditworthiness. Just keep in mind that the rewards rate drops to 1% after the first $5,000 you spend in a calendar year on those bills, so if you usually spend more than about $415 a month on them, you’ll only get the lower earnings rate on anything above that threshold. Diligently searches for the best products and delights in a good bargain, Prioritizes sticking to their budget while buying what they want and need, Credit One Bank Platinum Rewards Visa’s Other Features, Credit One Bank Platinum Rewards Visa’s Fees to Watch, Amtrak Guest Rewards® Platinum Mastercard®, Royal Caribbean® Visa Signature® Credit Card. Thanks Credit One If you do choose to go with this card, one way to give yourself the best chance at an improved credit rating is to make sure you use it wisely. 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