Credit One Bank® Platinum Visa
The Credit One Bank® Platinum Visa from Credit One earns up to 1% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $39. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 1%
- Annual fee
- $39
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Credit One Bank Platinum Visa earn in each category?
Grocery is the strongest category at 1% effective value (1% back). That grocery rate ranks higher than about 2% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 1% effective value (1% back). That grocery rate ranks higher than about 2% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0% back | 0% |
| Grocery Supermarkets and grocery stores | 1% back | 1% Top category |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 0% back | 0% |
| Other General everyday spend | 0% back | 0% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Credit One Bank Platinum Visa reward caps and conditions?
The Credit One Bank Platinum Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Get 1% cash back rewards on gas
- Get 1% cash back rewards on groceries
Who should get the Credit One Bank Platinum Visa?
The Credit One Bank Platinum Visa fits spenders who put meaningful volume in grocery and can earn 1% back. Best for spenders who put meaningful volume in grocery and can earn 1% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Credit One Bank Platinum Visa fits spenders who put meaningful volume in grocery and can earn 1% back. Madeen ranks its grocery effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 1% back.
Less compelling if the $39 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 1% effective (1% back).
- Rewards post as cash back; compare redemption paths before assuming cash-equivalent value.
Cons
- $39 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
Does the Credit One Bank Platinum Visa have an annual fee, and what's the welcome bonus?
The Credit One Bank Platinum Visa has an annual fee of $39 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $39
- Foreign transaction fee
- $3
What benefits come with the Credit One Bank Platinum Visa?
The Credit One Bank Platinum Visa includes Booking.com, Dovly Uplift™, FICO Credit Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- FICO Credit Score
Free Online Access to credit score
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Common questions about the Credit One Bank Platinum Visa
Does the Credit One Bank Platinum Visa have an annual fee?
The Credit One Bank Platinum Visa carries an annual fee of $39 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Credit One Bank Platinum Visa?
Grocery is the strongest Madeen category for the Credit One Bank Platinum Visa at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Credit One Bank Platinum Visa charge foreign transaction fees?
The Credit One Bank Platinum Visa charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Credit One Bank Platinum Visa annual fee worth it?
Whether the $39 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Credit One Bank Platinum Visa?
Madeen's catalog lists a typical credit range of Fair for the Credit One Bank Platinum Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Credit One Bank Platinum Visa?
Rewards on the Credit One Bank Platinum Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Credit One Bank Platinum Visa compare to similar cards?
Compare the Credit One Bank Platinum Visa against Credit One Bank Platinum X5 Visa Signature (5% on Grocery, $95 fee); Credit One Bank Platinum Rewards Visa with No Annual Fee (2% on Grocery, $0 fee); Credit One Bank Platinum Visa For Rebuilding Credit (1% on Grocery, $99 fee). Madeen ranks effective value by category and annual fee using the same.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Credit One Bank Platinum Visa This card | Grocery | 1% | $39 |
| Grocery | 5% | $95 | |
| Grocery | 2% | $0 | |
| Grocery | 1% | $99 | |
Credit One | Grocery | 1% | $39 |
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