Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
At a glance
Deposit required: None (Unsecured card (per Credit One Bank, Jun 2026))
APR: Variable 29.74% (Verify at creditonebank.com — rates change)
Annual fee: $75 year 1, $99 after (Per Credit One Bank, Jun 2026 — verify at creditonebank.com)
Cash back: 1% (On eligible purchases (per Credit One Bank, Jun 2026))
Who Credit One Bank® Platinum Visa® is best for
Applicants rebuilding credit who want a rewards-earning unsecured card without a deposit.
Pros
No security deposit — unsecured card for rebuilding applicants
1% cash back on eligible purchases — rare for bad-credit unsecured cards
Pre-qualification with no hard pull
Reports to all three major credit bureaus
Cons
Annual fee ($75 year one, $99 after, per Credit One Bank Jun 2026) is high relative to other options
Variable APR ~29.74% — carry no balance
Annual fee reduces effective credit limit in year one
Credit One Bank® Platinum Visa® requirements
Deposit required: None — unsecured card (per Credit One Bank, Jun 2026)
Recommended profile: Fair to poor credit applicants — pre-qualification available with no hard pull
Residency: U.S. residents 18+
US residents 18+
Designed for fair to poor credit applicants
Credit One Bank® Platinum Visa® rates & fees
Credit One Bank® Platinum Visa® carries a $75 annual fee in year one, rising to $99 annually thereafter (per Credit One Bank, Jun 2026). The variable APR is approximately 29.74%. No security deposit is required.
Credit One Bank® Platinum Visa® — 1% cash back on everyday categories for credit-rebuilding applicants. Best for: Applicants rebuilding credit who want a rewards-earning unsecured card without a deposit.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about Credit One Bank® Platinum Visa®
Is Credit One Bank the same as Capital One?
No. Credit One Bank and Capital One are separate, unaffiliated financial institutions. Credit One Bank, N.A. is based in Las Vegas, NV, and is a separate entity from Capital One Financial Corporation. The similar names cause frequent confusion. Verify issuer identity at creditonebank.com or your state banking regulator before applying.
Is ClearValue Lending a bank or card issuer?
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. Credit One Bank® Platinum Visa® is issued and operated by Credit One Bank, N.A. APRs, annual fees, rewards rates, and terms are determined solely by Credit One Bank and may change — verify current terms at creditonebank.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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