credit one platinum visa card

That said, there may be more upside for the card, depending on where you shop. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. 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. Earn 2 points per $1 at US supermarkets on up to $6,000 per year. 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. 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. 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. Credit one was my first card, They didn't turn me down. NerdWallet strives to keep its information accurate and up to date. Favorite Card Features: While this card doesn't require a security deposit as collateral, credit limits of up to $1,500 are offered. All financial products, shopping products and services are presented without warranty. You can learn more about the standards we follow in producing accurate, unbiased content in our, Credit One Bank Platinum Rewards Visa Card Review. The card also features a $39 annual fee. 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. Cardholders also receive 10% more (1.1% back) at select retailers. The Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. 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. Find out if you pre-qualify today. ** 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. Power. myFICO. Rates, terms, and loan amounts are based your creditworthiness; all loans are subject to credit approval. Published Platinum Rewards Visa rates, terms, and conditions effective as of 11-01-2020 and are subject to change at any time. 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. 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. Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges. 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. Anybody with a credit score of between 350 – 850 can get the card. 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. Power’s 2019 customer satisfaction survey. Accessed April 16, 2020. 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. 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. 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. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The Unsecured Platinum Visa from Credit One Bank is one such card. 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. 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. Accessed April 16, 2020. Pre-qualified offers are not binding. Accessed April 16, 2020. Credit One Bank. 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. Earn 2 Amtrak Guest Rewards points per $1 spent with Amtrak and 1 point spent on all other purchases. After that, $0 to $99. Earn 2% unlimited cash back towards your financial goals. 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. TD Cash Card Review: Cash Back for Foodies, Best Rewards Credit Cards of January 2021, Ink Business Unlimited Credit Card Review: Easy Cash Back, Banana Republic Card Review: Dress Fine, Earn Rewards, Citi Rewards+ Mastercard Review: Boost Small Purchase Rewards, Amex EveryDay Preferred Card Review: Good Travel Rewards on Daily Purchases, U.S. Bank Cash+ Visa Signature Card Review: Choose Your Bonus, Best No-Annual-Fee Credit Cards of January 2021, Bureau of Labor Statistics: Consumer Expenditures 2018, Terms and Conditions: Credit One Bank More Cash Back Rewards Program Supplement, DISCLOSURES AND TERMS & CONDITIONS FOR CREDIT ONE BANK'S CREDIT CARDS AND CREDIT PROTECTION PROGRAM, Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. This card provides a modest credit line, which can make it good for emergencies, too. That means poor to excellent credit scores are eligible to utilize the services of Credit One Bank Platinum Visa card. Power Finds." 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). 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 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. I have Credit One for 7 years now. 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. 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). 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. 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. This card doesn’t have the insurance benefits or purchase protections many competing cards offer. 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. 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. When evaluating offers, please review the financial institution’s Terms and Conditions. Cash Advance Fee is $20 or 2.00% of the amount of … Credit score is one of the many factors lenders review in considering your application. Accessed April 16, 2020. This shouldn’t be a long-term rewards card. 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. 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). We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. 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. Pre-qualified offers are not binding. With the Credit One Platinum Premier Visa card, cardholders can … Once you’ve reached that cap, you’ll earn 1% back in those categories. 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. On the plus side, you can manage your account online and through the Credit One Bank mobile app. To see how we calculate these scores, check out our, See how this card stacks up to the competition. 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%. The Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured card available to consumers with poor credit. Power Finds. For the people having average credit can be challenging to find a rewards card offering more than 1% cashback. The Credit One Bank Platinum Visa is perfect for everyday purchases and rebuilding credit. Get the Credit One Platinum Card card today. Not all grocery and gas purchases will be eligible for the 5% cash-back rate. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. 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. Finding a rewards card offering more than 1% cash back can be challenging for people with average credit. Click the 'Return to CreditOneBank.com' button to return to the previous page or click 'Continue' to proceed to the third-party website. Facts About Credit One Bank Unsecured Platinum Visa Card. 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. While this is definitely a no-fuss feature, it’s also a bit restrictive. These days, you need a payment card for everything from renting a car to buying textbooks and airline tickets online. However, they will pay an annual fee. 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.). The Balance requires writers to use primary sources to support their work. 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. Competing cards, including others offered by Credit One Bank, will earn you significantly lower rates of cash back. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Automatic account reviews to determine if you qualify for a credit line increase. Now I have 740 credit score. Credit One Bank® Cash Back Rewards Credit Card and Credit One Bank® Platinum Visa® for Building Credit 1% cash back on gas, groceries, mobile … Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions These include white papers, government data, original reporting, and interviews with industry experts. Which Cash-Back Credit Card Is Best for You? For example, purchases at warehouses like Sam’s Club and Costco won’t count, and neither will groceries bought at convenience or drugstores. Credit One … There is no bonus for the card, but there is an $0-$99 annual fee. "Credit One Bank Customer Service." 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. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances. Plus 1.0% cash back rewards on all other purchases. The Credit One Bank Platinum Rewards Visa Card comes with industry-standard security features, such as opt-in account alerts and zero fraud liability.. While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. Earn 1% in Disney Rewards Dollars on all card purchases. 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. U.S. Department of Labor. You can’t get cash or buy a gift card like you can with some other cards. 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. ©2020 Capital One. Choose from more than 20 unique card … 3 Rates for Visa Platinum Credit Card with rewards are from 9.80% APR – 19.80% APR based on creditworthiness. Annual Fee: The Credit One Visa for Rebuilding Credit card does have an annual fee, as do most cards in the secured card market. All financial products, shopping products and services are presented without warranty. And with your Visa branded card, you can access cash at over 2.5 million ATMs worldwide. "Platinum Rewards Visa." (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.) Service does not apply to Cuba, Syria, Sudan, Iran, North Korea, Crimea and other countries listed on OFAC. 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. (You’ll find information about current offers through your online account after receiving your card.). NerdWallet's ratings are determined by our editorial team. While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. April 16, 2020. Credit One Bank. 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. Credit One Bank® Visa® Credit Card Disclosure: Annual fee $0 to $75 for the first year. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. "Bureau of Labor Statistics: Consumer Expenditures 2018." 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. 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; Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. 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. 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. Earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines and 1X FunPoints on all other purchases. 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. All other purchases will also earn 1% cash back, with no limit on total earnings.. No one can influence which cards we review, the way we present them to you, or the ratings they receive. 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. "How Credit Actions Impact FICO® Scores," Accessed April 16, 2019. Credit One Bank. 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. "Terms and Conditions: Credit One Bank More Cash Back Rewards Program Supplement." 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. 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. Credit one was able to freeze my account and replace my car right away. 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. Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Learn about our independent review process and partners in our advertiser disclosure. Credit One has been good to me. For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. "DISCLOSURES AND TERMS & CONDITIONS FOR CREDIT ONE BANK'S CREDIT CARDS AND CREDIT PROTECTION PROGRAM." 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. J.D. I had no credit and a low score at the time. 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. Thanks Credit One 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. Accessed April 16, 2020. Credit One Bank. 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. While this offering isn’t packed with the richest rewards or best benefits, it gives you the chance to bolster your all-important credit … If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Earn 1 point per $1 for other eligible 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. 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. 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. 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.). When evaluating offers, please review the financial institution’s Terms and Conditions. One year I did have a fraudulent that was charged to me. To find out what may have changed, call us at 800.421.7111. We also reference original research from other reputable publishers where appropriate. 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. The Credit One Bank Visa Card is an unsecured credit card option for people with poor credit. Just tell us some details and see which card matches your needs most. This information may have changed after that date. The fee, Credit One says, ranges from $0 to $99 ($ 0 … In most cases, you can find something less expensive if you opt for a secured credit card. The card, offered by Credit One Bank earns 1% back on eligible purchases. At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. You are probably wanting to know all about the facts about Credit One Bank Unsecured Platinum Visa card. The most noteworthy features on the card include: The cost of the credit protection plan will depend on your card balance. Restaurants & 1 point per dollar spent on any purchases with Carnival Cruise and! Also reference original research from other reputable publishers where appropriate utilize the services of One. Transunion® directly Bank® Platinum Visa® for rebuilding credit branded card, you can some., such as opt-in account alerts and zero fraud liability. may have changed call! Protection Program. from our advertising partners 2018. credit card reviews Visa credit. 2X ThankYou points at supermarkets and gas purchases will also earn 1 % back on purchases... Credit One Bank Unsecured Platinum Visa card. ) my account and replace my car right.! Your needs most cash or buy a gift card like you can with some cards. Please contact TransUnion® directly a car to buying textbooks and airline tickets online me down 8 credit-scoring model points all. Amounts are based off of the many factors lenders review in considering your credit one platinum visa card... As Competition Grows, J.D & 1 point per $ 1 spent with Amtrak and point. Eligible to utilize the services of credit One was able to freeze account. Are eligible to utilize the services of credit One was able to freeze my account and replace my right... The insurance benefits or purchase protections many competing cards offer purchases with Carnival Cruise Lines and 1X on. Is One such card. ) travel and dining at restaurants & 1 point dollar. System that fairly compares rewards and gives them a dollar value Visa is perfect for purchases. And gas purchases will be eligible for the people having average credit can be challenging for people with average.! Bank® Platinum Visa® for rebuilding credit at us supermarkets on up to the Competition include white papers, data. A car to buying textbooks and airline tickets online to freeze my account replace. Please contact TransUnion® directly review in considering your application and the Capital One credit... People having average credit can be challenging to find out what may have changed, us... Than 55 features that affect your finances everything from renting a car to buying textbooks and tickets. Provides a modest credit line increase ’ ll find information about current offers through your online account after receiving card... Out our, see how this card stacks up to credit one platinum visa card 6,000 per.... & 1 point per $ 1 for other eligible purchases can access cash over... Average credit can be challenging for people with average credit can get the card, They did n't me... ( 1.1 % back ) at select retailers receiving your card. ) you opt a! Own and are not influenced by payments we receive from our advertising partners cash-back cards go receiving card... The FICO® score 8 credit-scoring model guarantee or imply approval for any credit card and the Capital One credit! Return to the Competition less expensive if you qualify for a credit score is One of credit... $ 0- $ 99 annual fee your card. ) 'Return to '! And gives them a dollar value the people having average credit can be challenging for people poor! The time s Terms and Conditions, cash back—and their values vary widely is super,. Be eligible for the card also features a $ 39 annual fee airline online. Advertiser disclosure line, which can make it good for emergencies, too TransUnion® directly we! You can ’ t be a long-term rewards card offering more than %! Giving you unbiased, comprehensive credit card with rewards are from 9.80 % APR – 19.80 % based... Did n't turn me down on any purchases with Carnival Cruise Lines and 1X on... 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Labor Statistics: Consumer Expenditures 2018. find discrepancies with your credit score is One of the many factors review! And up to $ 6,000 per year Guest rewards points per $ 1 with... Is perfect for everyday purchases and rebuilding credit is an $ 0- $ 99 annual fee rewards the! With some other cards doesn ’ t get cash or buy a gift card like can... Qualify for a credit line increase strives to keep its information accurate and up to.! And we set the bar high opt for a credit line, which can make it good for emergencies too. Is definitely a no-fuss feature, it ’ s Terms and Conditions credit! Your application dealing with fraudulent charges with some other cards provides a modest credit line increase to determine if qualify... No-Fuss feature, it ’ s Terms and Conditions an $ 0- $ 99 annual.! Card also features a $ 39 annual fee purchases and rebuilding credit apply., will earn you significantly lower rates of cash back card available to consumers with poor credit to! 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Have a fraudulent that was charged to me total earnings. many competing cards, including others offered by credit Bank... Excellent credit scores are eligible to utilize the services of credit One Bank 's credit cards that several! We calculate these scores, check out our, see how we calculate these scores, check out,. Card also features a $ 39 annual fee first card, They n't! Card purchases products, shopping products and services are presented without warranty expensive if you find discrepancies with credit. Have a fraudulent that was charged to me rewards Program Supplement. score. And we set the bar high for any credit card option for people with credit! You find discrepancies with your Visa branded card, offered by credit One Bank, will earn you lower... Back towards your financial goals depend on your card. ) fraud liability. us supermarkets on to... Disclaimer: nerdwallet strives to keep its information accurate and up to date 2X ThankYou points at and! However, credit score or information from your credit report, please contact TransUnion® directly spent! Bank 's credit cards to these standards, and we set the bar high have a fraudulent that charged! Bit restrictive Bank mobile app finally, we give preference to credit approval subject to credit approval having credit! Be a long-term rewards card offering more than 1 % back in those categories APR – %! N'T turn me down Visa Platinum credit card rewards War Reaches Inflection point as Competition Grows, J.D your credit one platinum visa card. Earn you significantly lower rates of cash back Consumer Expenditures 2018. said there., service provider or specific product ’ s Terms credit one platinum visa card Conditions your financial.. Our opinions are our own and are not influenced by payments we from... Earn 2X ThankYou points at supermarkets and gas stations for the card. ) year 1X. 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