The Credit Card One Platinum VISA Card is an attainable card to have in your wallet, especially for those of you who have flailing-low credit. The intentions of this card is to offer a way for you to rebuild your credit score as well as earning rewards and cash back.
You’ll be getting 1% cash back on eligible purchases as well as having the ability to check your credit score for free online, on top of account alert features, fraud protection and so much more. With rewards, rarely comes a chance to rebuild your credit, however, there is a catch. If you’re interested, be sure to read on.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
Recommended Secured Credit Cards:
Recommended Credit Cards:
This section is for cards recommended after you have the adequate credit score established:
Credit Card One Platinum VISA Summary:
- Apply Now
- Best Feature: Build or Rebuild Your Credit History
- Annual Fee: $75-$99 (varies)
- Expiration Date: None
- Additional Advice: See your credit score for free online and track your progress
Credit Card One Platinum VISA Features:
- Get 1% cash back on eligible purchases, terms apply
- Rewards post to your account automatically each month
- Manage your account on-the-go with the Credit One Bank mobile app
- Includes travel accident and auto rental collision insurance from Visa®
- See your credit score for free online and track your progress
- Zero fraud liability protects you from unauthorized charges
- Express your individuality with one of our 23 card designs, a fee may apply
Credit Card One Platinum VISA Fees:
Now, I must reiterate that when there’s rewards and a chance to rebuild your credit, there’s always a catch. I’m not going to beat around the bush with this one, this card has excruciating high amount of fees from firstly, a $75 annual fee for the first year, $99 each year afterwards. Note that the annual fee is charged to your account the date it’s opened and will reduce your available credit by such. You’ll more than likely get approved for a limit of $300.
Thus, I add that you should pay off your annual fee first prior to making any spending or so. Other fees associated include authorized users ($19 per user), APR Interest Fees, Cash Advance Fees (let’s try to avoid that one at all cost), late payment fees, returned payment fees, and lastly, the cherry on top, a $49 credit limit increase fee if you want to increase your credit limit.
Conclusion:
If you’re adamant on rebuilding your credit score and you’re running out of options, then the Credit Card One Platinum VISA Card should be your last option. The card will in fact raise your credit score and earn your a skinny amount of rewards, however, you will have to stay on top of the fees to keep afloat. let’s try to avoid cash advance fees at any cost and the Interest APR could be fulfilled if you pay off your balance loyally. Before fully utilizing this card and it’s $300 credit limit, I suggest paying off the annual fee first. Try out the Capital One® Secured MasterCard® first before making this card your only option. If this card isn’t for you, then don’t forget to check out our complete list of Credit Card Promotions today!
