Accessed April 16, 2020. Credit One Bank. No one can influence which cards we review, the way we present them to you, or the ratings they receive. 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. You can’t get cash or buy a gift card like you can with some other cards. For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. 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). This card provides a modest credit line, which can make it good for emergencies, too. Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. 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. 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.). 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. 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. 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. 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 also reference original research from other reputable publishers where appropriate. ©2020 Capital One. 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. Find out if you pre-qualify today. 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. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines and 1X FunPoints on all other purchases. All financial products, shopping products and services are presented without warranty. 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. Earn 1% in Disney Rewards Dollars on all card purchases. Favorite Card Features: While this card doesn't require a security deposit as collateral, credit limits of up to $1,500 are offered. 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. Facts About Credit One Bank Unsecured Platinum Visa Card. Choose from more than 20 unique card … Annual Fee: The Credit One Visa for Rebuilding Credit card does have an annual fee, as do most cards in the secured card market. Power Finds. On the plus side, you can manage your account online and through the Credit One Bank mobile app. The Credit One Bank Visa Card is an unsecured credit card option for people with poor credit. Power’s 2019 customer satisfaction survey. 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. 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. Cash Advance Fee is $20 or 2.00% of the amount of … 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. 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%. 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. Power. 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. "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.) When evaluating offers, please review the financial institution’s Terms and Conditions. While this is definitely a no-fuss feature, it’s also a bit restrictive. 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. However, they will pay an annual fee. 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 Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. 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. 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. Credit score is one of the many factors lenders review in considering your application. Accessed April 16, 2020. Credit One Bank. Pre-qualified offers are not binding. Just tell us some details and see which card matches your needs most. U.S. Department of Labor. Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases. 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. The Unsecured Platinum Visa from Credit One Bank is one such card. This shouldn’t be a long-term rewards card. Competing cards, including others offered by Credit One Bank, will earn you significantly lower rates of cash back. And see which card matches your needs most had no credit and a score! 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