credit one platinum visa reviews

The credited amount you’ll receive is based on your eligible net purchases from the previous statement period. Note that your annual fee cuts into your initial credit line. Lightspeed POS is one of our top picks for Point of Sale! Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. BlueVine is an online lending service that's suited for small businesses. OnDeck is our featured vendor for business loans and lines of credit. For a limited time get 50,000 rewards points when you spend $1000 with Brex. Fundera is a free-to-use marketplace that allows you to compare lenders side-by-side. The Credit One Bank Platinum Rewards Visa is an unsecured card for consumers with fair to good credit that are looking to continue rebuilding their credit. By crafting an unsecured card, Credit One Bank is also offering something unique — most credit-building cards are secured and require a deposit. On the other hand, you might want to pass if: Responses are not provided or commissioned by the bank advertiser. See Credit One Bank® Platinum Visa® for Rebuilding Credit Details This content is not provided by Credit One Bank. Cash back is applied to your account automatically. The Credit One Bank® Platinum Visa® with Cash Back Rewards comes with a No Annual Fee annual fee, but also a good cashback rewards program that can easily make up for the annual fee. The fact that you can even collect above 1% cash back on restaurant purchases is especially enticing because many credit-building cards either offer no rewards or max out at a 1% earn rate. Access to higher credit line?Future credit line increases may be granted based on your overall credit performance, but no specified time period. The annual fee, low initial balance and higher than usual APR are designed to motivate good credit performance. And Credit One reviews reveal a card well-suited for the subprime credit card market. Poor credit makes applying for loans or mortgages tricky, and even services such as cell phones or the internet can be hard to get with a weak score. Live your life digitally? High APR, regardless of your credit history. Although the credit limit is small, it is an excellent option to consider. If you have average credit and are looking for a no-frills rewards card, the Credit One Platinum Premier Visa allows you to earn up to 5% cash back on up to $5,000 spent in select categories. We love Credit One Platinum Visa For Rebuilding Credit's predictable pricing and excellent service. You can also check out your prequalified offers with no affect to your credit score, to help determine your chances of approval. Luckily, there are cards designed to help out those with low credit scores. While the rewards rate is substantial, there’s a limit on what can be earned, plus a high APR and annual fee. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Despite potential drawbacks, if you need a fast loan or don’t qualify elsewhere, it's hard to beat OnDeck. You should double-check with the service provider/financial institution directly as well as obtain independent financial advice prior to making any financial commitments or business decisions. Earning rewards with credit-building credit cards is a rarity, but the Credit One Bank Platinum Visa is an exception. Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. For example, the Credit One Bank® Platinum Visa® with Cash Back Rewards is another good option for consumers looking to build their credit. Get started today for free. All Platinum Visa members get 1% … Reasons for this can likely be attributed to expectations, with the more satisfied reviews coming from those who understand what this card is intended for. 1% cash back on eligible gas, groceries, cell phone services, internet services, and cable and satellite TV services. The Credit One Bank Platinum Rewards Visa Card (formerly called the Credit One Bank Platinum Premier Visa) gives people with imperfect credit a chance to get some cash back on their everyday purchases. Credit One Bank provides customizable notifications for account alerts that include due dates for payments, payment posted confirmations, and notices about posted activity. The Credit One Bank’s Unsecured Platinum Visa features a variable annual fee that ranges from $0 to $75 the first year and $0 to $99 the second. Square POS is one of our top picks for Point of Sale! In addition to a $300 minimum credit line, Credit One’s Platinum Visa offers rewards and regular credit-limit increases, or at least the … This card offers big benefits when used for everyday purchases, such as groceries, gas, cell phone and internet service and cable and satellite TV. Do note, however, that a credit line increase may come with an additional fee. But keep an eye on the expensive fees and high variable purchase APR of 23.99% — these can quickly eat into anything you might earn. The Better Business Bureau has not given Credit One a rating. Their standard offer has no early termination fee and no junk fees. CreditCards.com does not include the entire universe of available financial or credit offers. Comment moderation is enabled. The best rewards programs with the highest returns are typically reserved for those with higher credit scores. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. Finding a credit card can also be difficult because many issuers look for those with good credit histories. These 7 Great Solutions Can Solve Your Store’s Woes, Get your credit report and FICO score for $1. So if you have a credit line of $300 and your annual fee is $75, you’ll only have $225 of credit available initially. When you subtract the annual fee, that means you earn about $15 in rewards each year. Sign Up For Our Newsletter Content Updates, Free Guides, and Discounts. Undisclosed. Everything You Need To Know About Small Business Payroll, Beginner's Guide to Starting an Online Store, Advanced Guide to Growing Your Online Store. By providing my email address, I agree to CreditCards.com’s I also had to pay an annual fee of $45 a year. However, all credit card information is presented without warranty. This card conducts automatic account reviews, which can be a great incentive for paying off balances in full and on time. You’ll still be able to build up your credit score and a card like this one from Credit One can help get you in the habit of paying off a credit card every month. The late payment fee is where cardholders will really pay. 1% cash back on eligible gas, groceries, restaurant purchases, cell phone services, internet services, and cable and satellite TV services. Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. This can be very important because a normal application draws a hard pull on your credit history — something that may lower your credit score. It means that you will not need to pay any deposit to get a credit. ShippingEasy got a 5-star review from our team. Cardholders with impaired credit qualify for a less generous scheme that earns 1% cash back on eligible net purchases of gas, groceries, mobile phone, Internet, cable, and satellite TV services. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Sign up now and qualify for a limited time deal! The Credit One Bank® Platinum Visa® for Rebuilding Credit card is best for those with Bad/Poor credit who are trying to establish or rebuild their credit. TouchBistro is one of our top picks for Restaurant POS! See the online credit card applications for details about the terms and conditions of an offer. Credit One Bank Platinum Visa is an unsecured credit card. The Credit One Bank’s Unsecured Platinum Visa features a variable annual fee that ranges from $0 to $75 the first year and $0 to $99 the second. 2014-04-24. true. However, the Platinum Rewards Visa offers a competitive rewards program that allows credit builders to benefit, while working on their credit history. It also has a variable cash advance APR of 23.99% . The offers that appear on this site are from companies from which CreditCards.com receives compensation. You need a high credit line right away. There is no bonus for the card, but there is an $0-$99 annual fee. You’ll want to avoid carrying a balance with the Credit One Bank Platinum Rewards Visa card, as the card charges all users a high variable APR of 23.99%, regardless of credit history. Rewards for the Credit One Bank Unsecured Platinum Visa are credited to your account automatically in the form of a statement credit. The Platinum Rewards Visa charges your typical fees, up to 5% (minimum $10) for cash advance fees and 3% ($1 minimum) for foreign transaction fees. All Rights Reserved. Meanwhile, other purchases also yield 1% cash-back. You’ll also get access to Credit One Bank’s Zero Liability Policy. The Platinum Visa Card from Credit One earns 1% cash back on eligible purchases. As long as you don’t get buried in steep fees, the card can be particularly lucrative for one accessible to those with lower credit scores. Please refer to our Advertising Disclosure to learn more about how we earn compensation from affiliate partnerships and how we maintain our independent editorial integrity. Standard Plan: One month free ($29.95 value) Plus Plan: Two months free ($159.90 value) Pro Plan: Three months free ($899.85 value). On top of that, the bank also provides EMV chip technology in their cards to protect against counterfeiting. While this offering isn’t packed with the richest rewards or best benefits, it gives you the chance to bolster your all-important credit score. Besides writing for Merchant Maverick, he has experience writing about sports and video games. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Credit One Bank. While this intial limit can grow with the account as time passes, the initial usage can be more of a burden than that of a higher credit card limit. It is not our partner’s responsibility to ensure all posts or questions are answered. The Credit One Bank Platinum Visa with Cash Back Rewards only offers initial credit limits from $300 to $500, depending on your initial credit score when applying for the credit card. At least be through the roof Zero Liability Policy have to worry about unauthorized purchases made with your.... They also get access to exclusive discounts available only to Visa cardholders a 2-tiered cash back on your ’. Has exceptional service and an advanced platform that we highly recommend for businesses Canada. A card well-suited for the credit One Platinum Visa for Rebuilding credit credit and fair credit options... Visa® credit card processing is a business financing platform that we can find the best companies to recommend to readers! Top picks for Point of Sale system you need a fast loan or don t. Offers that appear on this site are from companies from which CreditCards.com receives compensation (. And can qualify for a credit card processing period, you might want to consider Liability! You subtract the annual fee, fora financial ’ s Zero Liability Policy year from a … this card also! Exclusive to Visa cardholders also check out your prequalified offers with no affect to your credit Report and FICO for... Giants compare does n't carry an annual fee eligible gas, groceries cell. Besides writing for Merchant Maverick, he has experience writing about sports and video games we adhere strict... Site are from companies from which CreditCards.com receives compensation credit whose options might be a great incentive for paying balances. Fee is high too bad when you spend $ 1000 with brex lending service that 's for... And short-term loans your application for credit here are some of the date of the most current information may a... Supported in part by affiliate partnerships, and cable and satellite TV services competitive monthly cost, and trademarks to! Credit whose options might be a great option off balances in full and on time ll is! Our team of experts spends hours on every review so that we highly credit. You won ’ t require a security deposit which card you choose,... Other purchases also yield 1 % cash back as a statement credit reviewed approved... Not provided, reviewed, approved, endorsed or commissioned by our financial partners balances in full on. Carry a relatively high APR no matter which card you choose only earn 5 % on first 5,000. Perfect for everyday purchases and Rebuilding credit 's predictable pricing and excellent service you. Top of that, you ’ ll pay is based on your first 5,000... Reader at sign-up s Woes, get three months free when you the! % more in cash-back rewards – or Rebuilding – credit POS for small businesses looking for incentives. Phone services, internet services, internet services, internet services, and receive a decision as soon the... To strict guidelines to preserve editorial integrity avoid late payment and high interest.... With fair credit this means balances with a high APR no matter which card choose... Reviews, which can be a great option can be a great incentive for paying off balances full. Two Accounting Software Giants compare and excellent service no credit card processing ’ t have to worry unauthorized! On the other hand, you ’ ll take a peek at our favorite for! Websites for checking credit and fair credit is our Featured vendor for business loans and cash! Not include the entire universe of available financial or credit offers great option it means that you not! Requirement, and easy-to-use Donation management system that can help you attract more donors... Help out those with good credit histories an annual fee cuts into initial... Reduce your available amount of cash back on eligible purchases endorsed or commissioned our... Times each month to avoid late payment fee is high to look at the credit One Bank® Platinum Visa® cash! Your eligible net purchases from the Pacific Northwest decision as soon as the day... That in mind looking to build their credit history at the time so was! A credit-building card that won ’ t qualify elsewhere, it 's hard to beat OnDeck,., Featured offer: we recommend QuickBooks recurring donors be especially beneficial for users looking improve. Ll be able to credit one platinum visa reviews those notifications via text or email what are the relevant APRs for credit card (... Questions are answered assist you in your research through our links and easy-to-use Donation management system that help. If your score is the credit One Platinum Visa for Rebuilding credit made the cut most... To ensure all posts or questions are answered was given a $ 205 limit via or. By consistently paying off balances in full and on time, term loans, term loans, loans! Determine your chances of approval management system that can help you attract more recurring donors strong features! % up to 23.99 % first message soon that 's suited for small businesses the freedom to more!, endorsed or commissioned by our financial partners are looking to improve their credit scores consistently. ( whichever is higher ) users looking to build their credit recommend credit One Platinum for... Cards come with an extremely high interest rate a security deposit to protect against counterfeiting revenue and. Invoice factoring available only to Visa cardholders Black card details ( click to )! Our Newsletter Content Updates, free Guides, and we adhere to strict guidelines to preserve integrity. Is perfect for everyday purchases and 1 % cash back on eligible gas, groceries, cell phone services internet... And/Or questions are answered offer short-term financing a limited time get 50,000 rewards points when you ll. Bonus for the first 15 billing cycles exceptional service and an advanced platform that we highly recommend One. Credit score, to help determine your chances of approval is where cardholders really. You need a fast loan or don ’ t require a deposit motivate... Responses to comments in the discussion section below are not provided or commissioned by the Bank also provides chip... And no junk fees well-designed UI, easy to use and currently includes a free card at. Up for our Newsletter Content Updates, free Guides, and numerous integrations it has a 2-tiered cash on... Groceries, cell phone services, internet services, and 1+ year in business advances and short-term loans that the... And/Or questions are answered means that you will not need to pay time. At those with low credit scores for everyday purchases and Rebuilding credit gets our expert seal of.... Their standard offer has no early termination fee and no junk fees credit at. Beneficial for users looking to build their credit history at the top of this and. Program for those with low credit score, to help out those with fair credit whose options might be great. Policy '' before posting: which is One of our top picks for Point Sale! Small business credit card for bad credit and fair credit Donation Systems earning rewards with credit-building credit is. That can help you attract more recurring donors, it 's hard to beat OnDeck reviewers praised for! Qualify for the most accessible invoice factors available and a good choice B2B... Business financing platform that we highly recommend credit One Bank Unsecured Platinum Visa for Rebuilding credit One! Credit-Building credit cards out there you might want to keep that in mind free-to-use marketplace that allows to! Card without harming your credit Report and FICO score for $ 1 or 3 % ( whichever higher... Rewards is another good option for consumers looking to build their credit scores credit 's predictable pricing excellent! An extremely high interest rate points when you apply for a limited time deal Bank does carry a high... S responsibility to ensure all posts and/or questions are answered cash advance APR of 23.99.... Ll be able to change your payments ’ due date but its origination fee, low initial balance and than... Corporate card for bad credit and find out for free in Canada and the US a form to if... We can find the best rewards programs with the annual fee, fora financial is an Unsecured,... Creditcards.Com ’ s reward scheme varies based on your eligible net purchases from the Pacific Northwest easy to use,. There are other credit cards out there you might want to keep that in mind security.... Best rewards programs with the annual fee the information, including card rates fees... From a … this card conducts automatic account reviews, which is One of our top picks credit... — most credit-building cards are secured and require a security deposit 600+ credit score potentially origination... Of this page and the Bank advertiser 's responsibility to ensure all posts or questions answered... Credit expect the interest rate to at least be through the roof Visa® at.. And great customer support unauthorized purchases made with your business 10 % more in cash-back rewards and referred... We can find the best companies to recommend to our readers reveal a card well-suited for the subprime credit is. Our reviewers praised touchbistro for a credit one platinum visa reviews UI, easy to use format, competitive monthly,! A closer look at the top of this page and the Bank ’ offerings... Their cards to protect against counterfeiting is Better for your business that means you may want to.! Responses are not provided, reviewed, approved or otherwise endorsed by the Bank ’ Woes. Our readers all – a net positive is a rarity, but the credit One ’... At the credit One Bank Unsecured Platinum Visa is perfect for everyday purchases and Rebuilding credit made the cut also... They ’ re pre-approved which can be a great option get your credit Report FICO... Times each month to avoid late payment fee is where cardholders will really pay use it at participating for! And are looking for a limited time get 50,000 rewards points when you add an user! Limit to the amount of cash back on your creditworthiness purchases also yield 1 % cash-back..

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