Credit One Bank Platinum Visa

The Credit One Bank Platinum Visa charges a $75 annual fee. In our review it earns a fees score of 8/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Applicants rebuilding credit who want an unsecured card that still earns something — no security deposit and 1% cash back on eligible purchases, which is rare in the bad-credit unsecured tier. Pre-qualification is available with no hard pull, and it reports to all three bureaus.

Approx. 29.74% variable — verify at creditonebank.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Applicants rebuilding credit who want an unsecured card that still earns something — no security deposit and 1% cash back on eligible purchases, which is rare in the bad-credit unsecured tier. Pre-qualification is available with no hard pull, and it reports to all three bureaus.

Anyone who can qualify for a no-fee builder (the Chime Card or Discover it Secured) — Credit One's fees are steep — and anyone who plans to carry a balance, given the ~29.74% variable APR.

Credit One Bank Platinum Visa scored 60/100 — "Niche / conditional". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.