Credit One Bank Platinum Visa for Rebuilding Credit
Written by Kenji NiwaEdited by Kenji NiwaNo Firstcard offer · free sign-up
The Credit One Bank Platinum Visa for Rebuilding Credit is an unsecured card for people with damaged credit. It earns 1% cash back on gas, groceries and some monthly bills. The annual fee is $75 the first year and $99 after that.
No Firstcard offer · free sign-up
$300 minimum
Credit limit
$75 first year
Annual fee
29.74% variable
APR
Yes
Prequalify
The details
- Annual fee
- $75 first year, then $99 (billed $8.25/mo)
- APR
- 29.74% variable
- Credit limit
- $300 minimum
- Security deposit
- None
- Foreign transaction fee
- None
- Cash advance fee
- $5 or 8%
- Credit check
- Yes
- Prequalification
- Yes
- Rewards
- 1% cash back on eligible gas, groceries, mobile phone, internet, cable and satellite TV
Facts come from the issuer's own terms, checked October 9, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- You can see if you pre-qualify before you apply.
- Earn 1% back on gas, groceries, phone, internet and TV bills.
- No foreign transaction fee, and Credit One reviews you for higher limits.
Cons
- The $75 first-year fee comes out of your limit. A $300 line starts with about $225 to spend.
- After year one, the fee rises to $99, billed at $8.25 a month.
- The 29.74% variable APR is high, and cash advances cost $5 or 8%.
Compare Credit One Bank Platinum Visa for Rebuilding Credit to other no-deposit cards
Credit One Bank Platinum Visa for Rebuilding Credit
4.3- Credit limit
- $300 minimum
- Yearly fee
- $75 first year
- APR
- 29.74% variable
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. 29.74% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
- The annual fee makes it cost more than the APR shows. A $75 fee on a $300 limit is 25% of your line. Add it to the 29.74% APR and you pay about 55% a year on a $300 balance.
- Low limit, so watch your credit use. On a $300 limit, a $90 purchase already uses 30% of your line, and high credit use can lower your score. Pay right after you buy, before your statement closes.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
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How we rate. Our editors' rating for a credit card weighs three things. Can you get approved with no deposit and no credit history? What does the card really cost to hold? And does it report to the credit bureaus? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
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Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
