Credit One Bank® Platinum Visa®

  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date.
  • Take advantage of free online access to your monthly Experian credit score and credit report summary
  • See if you Pre-Qualify in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit Personal $0 - $99 N/A N/A 16.99% - 24.99% Variable Cash Back


Quick Summary:
This is a Visa cash back rewards card issued by Credit One Bank. This card is intended for consumers, or "personal use" with a fair credit history. Rates may vary among applicants, however the lowest standard APR is 16.99%* and may be as high as 24.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $0 - $99* for this card.

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 576 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Credit One Bank product.

Other Basics:
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

The approval rate for this card is high. Furthermore, if your FICO score is close to or higher than 576, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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