VisaCredit One Bank Platinum Visa
An unsecured card for damaged credit that charges almost a hundred dollars a year for the privilege.
Welcome Bonus
None
No welcome bonus; $75 first-year fee charged at opening
Spend Requirement
None
Annual Fee
$99
3% FTF
Credit Score
Poor
to Fair (rebuilding)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xEligible gas, grocery, mobile phone, internet, cable and satellite TV
- 0xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No security deposit required
- ✦Reports to all three credit bureaus
- ✦Free monthly credit score tracking
- ✦Automatic credit line increase reviews
Why it earns its spot
- +Unsecured approval is possible with seriously damaged credit
- +Reports to all three bureaus
Where it costs you
- −$75 first year, then $99 a year billed at $8.25 a month
- −The fee is charged against your opening limit, so a $300 line starts at $225
- −APR near 30% with a tiny credit line
The Compound Verdict
The fees do the damage here. You pay $75 to $99 a year for a $300 line that the fee itself shrinks on day one, while a Discover it Secured builds credit for free and pays real rewards on a refundable deposit. If you can scrape together $200 for a deposit, the secured route wins by a mile.
Rate this card
Be the first to rate it
Commentson Credit One Platinum
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.