Loading cards…
Credit One Bank · credit
Last updated
Is the Credit One Platinum Visa worth keeping when the fee hits?
Watch out
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
No lounge access.
Using Credit One Platinum Visa at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $5 or 8% of the amount of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Up to 31.74% variable; no grace period Estimated by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Credit One Bank® Platinum Visa® for Rebuilding Credit has a $99 annual fee.
Using its non-spend-gated credits fully, the Credit One Bank® Platinum Visa® for Rebuilding Credit returns about $0 in value against its $99 annual fee — a net of −$99 per year. It only makes sense if you value its perks beyond the listed credits.
No — the Credit One Bank® Platinum Visa® for Rebuilding Credit does not include airport lounge access.
Yes — the Credit One Bank® Platinum Visa® for Rebuilding Credit charges a 3% foreign transaction fee.
The Credit One Bank® Platinum Visa® for Rebuilding Credit has a purchase APR of 29.74% variable.