Credit card

Credit One Bank® Platinum Visa® for Rebuilding Credit

Cash back

VISA

Apply for Credit One Bank® Platinum Visa® for Rebuilding Credit

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Card review

Credit One Bank® Platinum Visa® for Rebuilding Credit

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Build or rebuild your credit with no security deposit required

Fee: $75 USD/yr; First year $75; $99 annually thereafter (billed as $8.25/month after first year)
Purchase APR: from 28.99%
Interest-free: -
Foreign fee: 3%

Rewards

1% cash back on eligible gas, grocery, mobile phone, internet, cable, and satellite TV purchases. Up to 10% more cash back at select participating retailers.

Our verdict

What stands out, and where it falls short.

What we like

1% cash back on eligible gas, grocery, mobile phone,…

Worth weighing

$75 USD/yr card fee
3% foreign transaction fee

Who It Is For

Whether the Credit One Bank® Platinum Visa® for Rebuilding Credit fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $75 USD/yr fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $75 USD/yr
Purchase APR: from 28.99%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 28.99% Variable
Annual Fee: $75 first year; $99 annually thereafter
Foreign Transaction Fee: $1 or 3% of each purchase, whichever is greater
Cash Advance Fee: $5 or 8% of the advance, whichever is greater

Rewards and features

Rewards: 1% cash back on eligible gas, grocery, mobile phone, internet, cable, and satellite TV purchases. Up to 10% more cash back at select participating retailers.
Pay with: Apple Pay, Google Pay, Contactless
Minimum Credit Limit: $300
Rewards Redemption: Automatic statement credit

Benefits and perks

Extras that come bundled with the card.

Credit bureau reporting

Reports to all three major credit bureaus (Equifax, Experian, TransUnion) monthly to help build credit history.
Zero fraud liability

$0 fraud liability on unauthorized charges.

Eligibility

What you need before you apply.

Recommended Credit Score: 300–670 (Bad to Fair)

Credit One Bank® Platinum Visa® for Rebuilding Credit: your questions answered

How much does the Credit One Bank® Platinum Visa® for Rebuilding Credit cost?

The Credit One Bank® Platinum Visa® for Rebuilding Credit costs $75 USD/yr. First year $75; $99 annually thereafter (billed as $8.25/month after first year).

What rewards does the Credit One Bank® Platinum Visa® for Rebuilding Credit earn?

The Credit One Bank® Platinum Visa® for Rebuilding Credit earns 1% cash back on eligible gas, grocery, mobile phone, internet, cable, and satellite TV purchases. Up to 10% more cash back at select participating retailers..

Does the Credit One Bank® Platinum Visa® for Rebuilding Credit charge foreign transaction fees?

Yes - the Credit One Bank® Platinum Visa® for Rebuilding Credit charges a 3% foreign transaction fee.

What is the interest rate on the Credit One Bank® Platinum Visa® for Rebuilding Credit?

The Credit One Bank® Platinum Visa® for Rebuilding Credit has a purchase APR of from 28.99%.

Is the Credit One Bank® Platinum Visa® for Rebuilding Credit a credit, debit or prepaid card?

The Credit One Bank® Platinum Visa® for Rebuilding Credit is a credit card issued by Credit One Bank on the Visa network.

Does the Credit One Bank® Platinum Visa® for Rebuilding Credit support Apple Pay and Google Pay?

Yes - the Credit One Bank® Platinum Visa® for Rebuilding Credit works with both Apple Pay and Google Pay.

Where can I get the Credit One Bank® Platinum Visa® for Rebuilding Credit?

The Credit One Bank® Platinum Visa® for Rebuilding Credit is currently offered in United States.

How does DebitCue rate the Credit One Bank® Platinum Visa® for Rebuilding Credit?

DebitCue rates the Credit One Bank® Platinum Visa® for Rebuilding Credit 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Credit One Bank® Platinum Visa® for Rebuilding Credit?

Use the Apply now button to continue on Credit One Bank's secure site. Comparing and applying through DebitCue is free.