Credit One Bank Platinum Visa
By Alex Compton · Last verified
An unsecured card for damaged credit that charges almost a hundred dollars a year for the privilege.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; $75 first-year fee charged at opening | Archive record · no attached snapshot |
| 2023-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xEligible gas, grocery, mobile phone, internet, cable and satellite TV
- 0xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
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