We Recommend Brex Corporate Card for Startups . However, there are other credit cards out there you might want to consider. , Learn More At Credit One Platinum Visa For Rebuilding Credit, Advertiser Disclosure: Our unbiased reviews and content are supported in part by. 1% cash back on eligible gas, groceries, cell phone services, internet services, and cable and satellite TV services. If you’re traveling abroad, you’ll also have to pay either $1 or 3% per transaction (whichever is higher). Use it at participating merchants for up to 10% more in cash-back rewards. A low credit score is the bane of any business owner. Compare. Credit One Bank provides customizable notifications for account alerts that include due dates for payments, payment posted confirmations, and notices about posted activity. 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. That means your score should be around 500. The Capital One Platinum Credit Card could be ideal if you have average credit. Required fields are marked *. Keep on scrolling to find out! Cardholders with better credit qualify for a more generous, stra… It also charges an additional $19 fee annually when you add an authorized user. By providing my email address, I agree to CreditCards.com’s Luckily, there are cards designed to help out those with low credit scores. The Credit One Bank’s Unsecured Platinum Visa features a variable annual fee that ranges from $0 to $75 the first year and $0 to $99 the second. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Lendio is a business financing platform that matches customers to funders, including SBA lenders. to maintain accurate information. Standard Plan: One month free ($29.95 value) Plus Plan: Two months free ($159.90 value) Pro Plan: Three months free ($899.85 value). Opinions expressed here are author’s alone. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The card is a good option on how to improve credit score in 30 days. The card’s reward scheme varies based on your creditworthiness when you apply for your card. The chance to earn a higher credit limit may offer the freedom to do more. All Rights Reserved. Sign Up For Our Newsletter Content Updates, Free Guides, and Discounts. These tiers include: Because the card is for those with low credit scores, these reward tiers are actually quite generous. It is not our partner’s responsibility to ensure all posts or questions are answered. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Check the data at the top of this page and the bank’s website for the most current information. CreditCards.com does not include the entire universe of available financial or credit offers. Credit One Bank® Platinum Rewards Visa review. You might want to apply for this card if: Compare Credit One Bank® Platinum Visa® at Credit.com. You need a high credit line right away. Square is free to use and currently includes a free card reader at sign-up! At up to $39 per late and returned payment (plus the applicable interest), these fees are no joke – and may cost more than the initial expense. My first credit card was from Capital One and it was a Platinum Visa Card. ADP Payroll is one of our top picks for Payroll Software! After your first billing period, you’ll be able to change your payments’ due date. We highly recommend Lightspeed POS for small businesses looking for a feature-rich, tablet-based point of sale system. Helcim is one of our top picks for payment processing! Reasonable efforts are made Credit One Bank® Platinum Visa® for Building Credit. Furthermore, cardholders have the chance to earn even more rewards − 10% cash back− if they remember to use their card at the participating retailers. Our reviewers like ADP Payroll for its advanced employee management, strong payroll features, and great customer support. For a limited time, get three months free when you sign up via our links! 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. He holds a Bachelor of Arts in Journalism from George Fox University. Available Rates Their interest rates are very high no matter what your credit limit is. Copyright © 2020 Merchant Maverick. The Credit One Visa card offers standard security features. Sign up now and qualify for a limited time deal! Since many credit building cards come with no rewards program at all – a net positive is a better deal. Cash back is applied to your account automatically. Credit One Bank Unsecured Platinum Visa Review, Mastercard Black Card details (click to expand). Compare cards and apply on-line safely on the Credit One Bank website. Earn Cash Back on Everyday Purchases. Cardholders with impaired credit qualify for a less generous scheme that earns 1% cash back on eligible net purchases of gas, groceries, mobile phone, Internet, cable, and satellite TV services. While Credit One Bank might start you with a low credit line (your available credit could begin as low as $300), they’ll perform automatic checks for credit line increase opportunities. No timeline for evaluating credit limits. Unsure if the Credit One Bank Unsecured Platinum Visa will work well with your business? Credit One Bank does carry a relatively high APR, so you might want to keep that in mind. ShippingEasy is one of our top picks for shipping software! See the online credit card applications for details about the terms and conditions of an offer. Sign up today to see it in action. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Easily find SBA 7(a)loans alongside other financing options. While this is much higher than the average credit card APR , it’s in line with the average APR for a credit card designed for someone with fair credit and is actually a bit lower than several credit-building alternatives. Home » Small Business Credit Card Reviews » Credit One Bank Unsecured Platinum Visa Review. Your comment may take some time to appear.Please read the "User Review and Comment Policy" before posting. With a pre-approval process, you’ll be able to find out if you qualify for the card without harming your credit score. Credit One Bank cards also feature the option to connect with Apple Pay, Samsung Pay, and Google Pay, so you can use your phone with participating merchants. Note that your annual fee cuts into your initial credit line. at Credit One'ssecure website. The annual fee, low initial balance and higher than usual APR are designed to motivate good credit performance. 1% cash back rewards Their standard offer has no early termination fee and no junk fees. This means balances with a $300 credit limit will actually have a $205 limit. BlueVine is an online lending service that's suited for small businesses. Here are some of the basics: High APR, regardless of your credit history. Get started today for free. You’ll be able to receive those notifications via text or email. You have low credit and are looking to rebuild it. While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. That isn’t too bad when you’re building – or rebuilding – credit. Despite potential drawbacks, if you need a fast loan or don’t qualify elsewhere, it's hard to beat OnDeck. Brex Corporate Card for Startups is one of our top picks for business credit cards! The offers that appear on this site are from companies from which CreditCards.com receives compensation. This can be especially beneficial for users looking to improve their credit scores by consistently paying off their card balance. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Credibly’s qualifications are much lower but its origination fee is high. Take advantage of other shopping discounts exclusive to Visa cardholders. Earning rewards with credit-building credit cards is a rarity, but the Credit One Bank Platinum Visa is an exception. This means you may wind up with a high APR no matter which card you choose. Xero VS QuickBooks Desktop: How Do These Two Accounting Software Giants Compare? Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Capital One Platinum Credit Card vs. The Credit One Bank Platinum Visa can have a credit line as low as $300 to start (and potentially lower depending on extra fees). Because this card is marketed toward those with fair to good credit scores, it can get away with charging an annual fee of $95. However, the Platinum Rewards Visa offers a competitive rewards program that allows credit builders to benefit, while working on their credit history. Credit One Platinum Visa For Rebuilding Credit is one of our top picks for credit card processing! This card conducts automatic account reviews, which can be a great incentive for paying off balances in full and on time. 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. We love Fattmerchant's predictable pricing and excellent service. While this is much higher than the average credit card APR, it’s in line with the average APR for a credit card designed for someone with fair credit and is actually a bit lower than several credit-building alternatives. If you are still improving your score but are eager to get in on the rewards game, the Platinum Rewards Visa can be a good choice. You’ll also get access to Credit One Bank’s Zero Liability Policy. They also get access to exclusive discounts available only to Visa cardholders. Foreign transaction fee: 3% or $1, whichever is greater, Cash advance fee: $10 or 5% (whichever is greater, see terms), Late payment fee: Up to $39 (terms apply), Returned payment fee: Up to $39 (terms apply), 5% cash back on gas, groceries, cell phone services, internet, and cable or satellite TV service purchases (on first $5,000 in spending, then 1%). It won't earn a bonus promotion or rewards, but it also doesn't carry an annual fee. Use the card to pay for all eligible monthly bills: gas, groceries, internet, TV and cell phone for 5% cash back. Below, we’ll take a closer look at the Credit One card as well as some other worthy options to consider. I also had to pay an annual fee of $45 a year. The fact that you can even collect above 1% cash back on restaurant purchases is especially enticing because many credit-building cards either offer no rewards or max out at a 1% earn rate. Credit One Bank® Visa® Credit Card 2020 Review, Application & Rates " A solid offer for those with bad credit, featuring cash-back on gas purchases and a reasonable APR for subprime applicants." We love Credit One Platinum Visa For Rebuilding Credit's predictable pricing and excellent service. Credit One Platinum Rewards Visa If your score is higher than that, you may want to look at cards aimed at those with fair credit. You want a competitive rewards program for those with fair credit whose options might be limited. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. You earn 5% cash back on your first $5,000 in purchases each year from a … Everything You Need To Know About Small Business Payroll, Beginner's Guide to Starting an Online Store, Advanced Guide to Growing Your Online Store. The Credit One Credit Card is a credit card for bad credit and fair credit. BigCommerce Vs Shopify: Which Is Better For Your Business? Credit One Bank® Visa® Cash Back Rewards has higher than average purchase APRs. Your credit cards journey is officially underway. We love PaymentCloud's predictable pricing and excellent service. Foreign transaction fee: $1 or 3% (whichever is higher). On the other hand, you might want to pass if: Responses are not provided or commissioned by the bank advertiser. While this offering isn’t packed with the richest rewards or best benefits, it gives you the chance to bolster your all-important credit score. Copyright © 2020 CreditCards.com a Red Ventures Company. Content Updates, Free Guides, and Discounts, The Complete Guide To Understanding A POS System’s Offline Mode & Credit Card Processing. 1.1% cash back on eligible restaurant purchases and 1% cash back on other eligible purchases. Credibly is an online lender that offers short-term financing in the form of business loans and merchant cash advances. The amount you’ll pay is based on your creditworthiness. Other Notable Features: Free online credit monitoring, fraud liability protection, customizable account notifications and alerts, flexible due date, no penalty APR, shopping discounts. The credited amount you’ll receive is based on your eligible net purchases from the previous statement period. Our reviewers praised TouchBistro for a well-designed UI, easy to use format, competitive monthly cost, and numerous integrations. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. The Credit One Bank® Platinum Visa® with Cash Back Rewards can earn you cash back while you work on building your credit. 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. 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. Get three months free when you sign up with Helcim through our links! But beware: cardholders will also pay handsomely for late payments or carrying a balance. 1% cash back on eligible gas, groceries, restaurant purchases, cell phone services, internet services, and cable and satellite TV services. Besides the Platinum Rewards Visa maximum cash-back rewards program and discounts from top retailers, it offers other benefits: Because the Platinum Rewards Visa is geared toward customers with fair credit scores, the odds of approval are high. While this intial limit can grow with the account as time passes, the initial usage can be more of a burden than that of a higher credit card limit. 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