Credit One Bank
Credit One Bank® Platinum Visa®
⚠Poor value — we do not recommend this card. It is listed as a cautionary example. The fees are high relative to what you get, and a no-fee secured card builds credit far more cheaply. See the review below for a better alternative.
Cash back only
Annual fee
$75 first year, then $99/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Fair or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
1% cash back on eligible purchases (gas, groceries, phone, internet, streaming)
High APR, roughly 25% to 30%
The annual fee typically cancels out the 1% cash back
Features & benefits
$75 annual fee the first year, then $99, billed at about $8.25 per month
Reports to all three credit bureaus
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Credit One Bank® Platinum Visa® lands.
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