| Rewards | 1% cash back on eligible purchases (e.g., gas, groceries, mobile phone, internet, cable & satellite TV services). |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $39 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.74% – ~31.99% variable, and interest starts immediately with no grace period. |
| Cash Advance Fee | Usually the greater of $5 or 8% of the amount of each cash advance. |
| Late Payment Fee | Up to $39. |
| Purchases APR | 29.74% – ~29.99% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Credit One Unsecured Platinum Visa Credit Card is known for being an accessible, unsecured credit card for people with fair or rebuilding credit. It offers a simple 1% cash-back rewards program on eligible purchases, usually comes with an annual fee around $39, and doesn’t provide a signup bonus. It’s primarily designed for those who need to build or repair their credit history.
Most users say the card is easy to get approved for compared with traditional cards, and many reviewers mentioned that it reports to all three major credit bureaus, which is key for improving credit scores. Some also appreciate the modest rewards on everyday bills like gas or groceries.
On the downside, users frequently complain about the high APR, various fees, and that rewards are relatively low compared with mainstream cash-back cards. Customer service experiences are mixed, with some cardholders finding phone support slow or unhelpful.
Personally, I think this card serves a very specific purpose: if you’re trying to establish or rebuild credit and don’t qualify for a no-fee card elsewhere, it can be a useful tool. But if you already have good credit, you’ll likely get better rewards and lower fees from other Visa or Mastercard options.
It’s a practical stepping stone for credit-building, not a powerhouse rewards card.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
High Fee
The card is okay, but the fees feel a bit high for what you get. It helped me get approved when other cards denied me, so I still keep it open.
E
Decent Started Card, but high fees
This card helped me rebuild my credit, but the annual fee hits hard for the limit they offer. Payments post fast, though, and it's good if you just need a simple starter option.
