Reviews (US)

Credit One Bank® Platinum Rewards Visa with No Annual Fee credit card full review

Credit One Bank® offers a range of credit cards that give you rewards and many other benefits. In this post, we present the Credit One Bank® Platinum Rewards Visa with No Annual Fee review!

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by Aline Augusto

01/04/2022 | Updated on 02/23/2022

Credit One Bank®Platinum Rewards Visa with No Annual Fee card: get unlimited 2% cash back!

See what are the benefits of this credit card. Source: Credit One Bank®.
See what are the benefits of this credit card. Source: Credit One Bank®.

It is important to pay attention to the fees when you search for a credit card. Credit One Bank® is a financial institution that delivers cards with no annual fees. But extra offers are welcome, too, right? Thinking of it, the Credit One Bank® Platinum Rewards Visa with No Annual Fee card gives you 2% cash back on eligible everyday purchases.

Plus, it is a Visa credit card, which gives you the freedom to know that it is accepted all over the country.

Learn now how it works!

Credit ScoreGood – Excellent 
Annual Fee$0
Regular APR23.99% (variable)
Welcome bonusNone
Rewards2% cash back on eligible purchases
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Apply Credit One Bank® Platinum No Annual Fee

Get 2% cash back with Credit One Bank® Platinum Rewards Visa with No Annual Fee! Learn how to apply for this credit card.

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How does the Credit One Bank® Platinum Rewards Visa with No Annual Fee credit card work?

This credit card features two things that we love: a $0 annual fee and rewards!

Firstly, you earn 2% cash back on eligible purchases, such as:

  • Gas;
  • Groceries;
  • Subscriptions for eligible cellphone services, internet, TV, and cable.

Secondly, it allows you to choose your payment due date so you can plan better and feel comfortable with it.

Thirdly, it offers some protection and convenience bonuses, as follows:

  • Credit One mobile app so you can manage and customize your account 24/7 right in the palm of your hand;
  • $0 Fraud Liability so you won’t be responsible for unauthorized purchases on your credit card;
  • Experian free online access so you can monitor your credit.

And all of that with no annual fee and rewards like we have explained above.

Credit One Bank® Platinum Rewards Visa with No Annual Fee benefits

Learn more about the Credit One Bank® Platinum Rewards Visa with No Annual Fee credit card. Source: Canva.
Learn more about the Credit One Bank® Platinum Rewards Visa with No Annual Fee credit card. Source: Canva.

The main benefits this card offers you are the $0 annual fee and the rewards. Although you can’t get a better tier of cash back, a 2% is good compared to other traditional credit cards. Plus, it is applicable to everyday purchases.

Also, it provides you with a great mobile app, free online access to Experian, and $0 Fraud Liability.

On the other hand, you should pay attention to some other fees. Like other cards in the market, Platinum Rewards Visa with No Annual Fee charges a foreign transaction fee, as well as a cash advance fee.

Read out the list of pros and cons before applying to it!

Pros

  • No annual fee
  • 2% cash back on eligible everyday purchases
  • $0 Fraud Liability
  • Experian free online access
  • Credit One mobile app

Cons

  • No introductory offers like 0% APR
  • Quite high regular APR
  • $1 or 3% foreign transaction fee, whichever is greater
  • 5% or $10 cash advance fee, whichever is greater
  • Minimum $1 interest charge

How good does your credit score need to be?

All those perks come with a good credit score required for the application. So, it is recommended that you have at least a 670-credit punctuation to be accepted.

How to apply for Credit One Bank® Platinum Rewards Visa with No Annual Fee?

If you are interested in applying for a Credit One Bank® Platinum Rewards Visa with No Annual Fee credit card, you should read our next post, in which we explain how the application works. Check it out!

Logo Credit One Bank® fundo branco

Apply Credit One Bank® Platinum No Annual Fee

Get 2% cash back with Credit One Bank® Platinum Rewards Visa with No Annual Fee! Learn how to apply for this credit card.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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