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Build Credit history with on-time payments¹

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Customized debt pay-off and budgeting plan

Smart Round-Ups

Round up everyday purchases and save effortlessly

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Rebuild your credit history with rent payments

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Multiple loan offers from partners in minutes

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Multiple offers of up to $750. All credit scores can apply

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credit-one-bank

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Credit needed
Good/ Excellent
APR
23.99%
Annual Fee
$0

Card Summary

Credit One Bank Platinum Rewards Visa is available to consumers with excellent credit.

There's no annual fee. This card comes with a $300 initial credit line.

Earn 2% cashback on gas, grocery and select telecom services purchases.

Cardholders have access to Experian Credit Scores and Zero Fraud Liability Coverage.

Card Summary - Cons

Rates and fees

Issuer Name
Credit One Bank
Penalty APR
N/A
Credit Needed
Good/ Excellent
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 5%
APR
23.99%
Foreign Transaction Fee
You can choose to pay 3% of the total amount or $1.00, depending on which is higher.

Highlights

Qualified applicants do not have to pay an annual fee. These terms apply.

You can get 2% cashback on gas, grocery, mobile, internet and satellite TV purchases. These terms and conditions apply.

For added convenience, choose your month-end payment due date. These terms apply. You can monitor your credit online with your Experian credit score. These terms and conditions apply.

You can rest assured with $0 fraud liability. Get personalized account alerts by email or text to stay in the loop. Credit One Bank's mobile app allows you to manage your account anywhere, anytime.

You may be eligible for a special offer if you're a Military Lending Act Covered Borrower. Check out Rates and Fees.

Credit One Bank Platinum Rewards Visa With No Annual Fee benefits with no annual fees include: Access to your Experian credit scores for free. No coverage for fraud.

Maximizing Rewards: Credit One Bank Platinum Rewards Visa offers no annual fee and 2% cashback rewards for select categories. Subscribe to select internet, television, and satellite services. You can also purchase eligible gasoline stations and groceries at a discounted price.

Comparative Analysis with Other Cards

Credit One Bank Platinum Rewards Visa at No Annual Fee with American Express Cash Magnet Card

Annual fees: There is no annual fee for either card.

Reward: Credit One Bank Platinum rewards Visa with no Annual Fee cardholders receive 2% cashback on eligible gas, grocery and select telecommunications services. You'll get 1.5% cashback on all eligible purchases when you use the American Express Cash Magnet Card.

Sign up bonus: Credit One Bank Platinum Rewards Visa without an Annual Fee has no intro bonus. American Express Cash Magnet Card Holders can receive a $150 Statement Credit Welcome Offer after they spend $1,000 on purchases within 3 months.

Benefits: Credit One Bank Platinum Reward Visa with No Annual Charge cardholders get zero fraud liability coverage, and Experian credit score access for free. With the American Express Cash Magnet card, you'll be able to access car rental damage and insurance as well as the Global Assist hotline and fraud protection.

Credit One Bank Platinum Rewards Visa without Annual Fee, vs. Capital One Cash Rewards Credit Card

Annual fees: There are no annual fees for either card.

Reward: Get 2% Cash Back on Qualifying Gas and Groceries Purchases and select Telecommunication Services with Credit One Bank Platinum Rewards Visa. There is no Annual Fee. Capital One Quicksilver Cash Reward Credit Card: 1.5% Flat Rate Cash Back on Every Eligible Purchase.

Sign up bonus: Credit One Bank Platinum Rewards Visa without an Annual Fee does not offer an introductory bonus. After you have spent $500 within three months of account opening, the Capital One Quicksilver cash rewards credit card will give you a $200 cash bonus.

Benefits: The Credit One Bank Platinum Reward Visa comes with a selection of benefits, including zero fraud coverage and Experian credit score access. With the Capital One Quicksilver cash rewards credit card, you'll be able to access rental car insurance and extended warranty protection.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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