
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Product Name | Credit One Bank® Platinum Visa® for Rebuilding Credit |
---|---|
Card type | Visa |
Annual fee | $0 to $99 |
Purchase APR | 17.99% to 23.99% variable |
Balance transfer APR | N/A |
Cash advance rate | 23.99% variable |
Cash advance fee | $5 or 8% of the cash advance amount, whichever is greater |
Cash advance fee description | Either $5 or 8%, or $10 or 3% of each cash advance, whichever is greater |
Foreign transaction fee | 3% of the transaction value or $1, whichever is higher |
Interest free period | Up to 24 days |
Late payment fee | Up to $39 |
Late payment fee conditions | Terms apply |
Returned payment fee | Up to $39 |
Returned payment fee conditions | Terms apply |
Additional cardholder fee | $19 |
To apply for this card, you must be at least 18 years old.
You can apply with a poor credit score or higher. The higher your credit score and ability to pay off any debt you accrue, the more likely you are to have a lower annual fee and APR.
If you’re looking for an unsecured credit card to build your credit, the Credit One Bank® Platinum Visa® for Rebuilding Credit could be an option. But be aware of hidden fees and read the terms and conditions to avoid getting hit with unexpected charges.
If you don’t find this card appealing, compare other secured cards for building credit.
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured card available to consumers with poor credit. It comes with an annual fee from $0 to $99, depending on your credit score, and a complex rewards structure where you can earn 1% or 1.1% cash back on select categories; This also depends on your creditworthiness.
The good thing with this card is that you can prequalify without affecting your credit score. This way you’ll know your approval chances before you apply. Also, you get free monthly access to your Experian credit score.
Be sure to read the card’s terms before applying to avoid unpleasant situations as the card doesn’t clearly state your annual fee or whether you’ll get a grace period on your purchases before you qualify.