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Credit One Bank® Platinum Visa® With Cash Back Rewards
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Credit One Bank® Platinum Visa® With Cash Back Rewards
30 Reviews
Consumer Rating:
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Average Score:

Credit One is one of the largest issuer of credit cards in the "bad credit' space. Folks who have written reviews here have been approved with an average credit score of 600. Credit One requires that you have a bank account as well and have an income.

Card Details
Card Details

Annual Fee: $0,$35 or $75 for the first year, then $99 from second year onwards

APR: 19.99% to 25.99% *Variable Rate

Grace Period: 0 to 24 days

Free Credit Score - Credit One provides a form of free credit score which many card members think is provided by Experian.

Cash Back Program
Cash Back Program

Credit One is one of the few issuers that have a cash back program.

  • 1% cash back on gas, groceries, mobile phone service, internet service, and cable & satellite TV service, or
  • 1.1% cash back on dining purchases and 1% on all other purchases, or
  • 1% cash back on all purchases

Pros and Cons
Pros and Cons


  • Reasonable fees, No application or monthly maintenance fees
  • Cash back program
  • Has mobile app - Apple Pay and Samsung Pay
  • Free credit score
  • Track record of credit line increases


  • Grace Period ranges from 0 to 24 days

Our Take
Our Take

Credit One has reasonable fees and unlike many other sub prime cards, they do not charge application or monthly fees. They are one of the rare issuers that have a cash back program, an app and a track record of credit line increases. If you are a rebuilder and looking for an unsecured credit card, then you should consider this card.

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Credit Score: 674 Credit Limit: 300 Age: 45-54
Income On Application: $90000
Posted 07/09 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
I bit the bullet after mailings every week for up to a $2000k limit pre-approved, only to get $300. I am disappointed as I can tell by other posts that my credit score is considered very good! Lesson learned on Credit One. I doubt I activate it just for the low limit.