Pre-qualify without impacting your credit score.

Reports monthly to the 3 major credit bureaus.

Free monthly credit score tracking.

Credit One® Platinum Credit Card Review

Card Details

Credit Needed

Applicants should have a credit score of 500 or higher for a better chance of approval, although this is not required to apply. Generally credit card issuers base their decisions on a variety of factors when deciding to approve applicants.

Card Rewards

Cardholders earn 1% cash back on gas purchases. There are no limits to the gas rewards you can earn.


Consumers can get pre-qualified or apply for a credit card without affecting their credit score. This is great for consumers trying to rebuild credit as one hard inquiry (credit pull) can take 3-6 points off your credit score. Cardholders can visit the Credit One’s Design My Card lab to choose the look of their credit card.

Free Credit Score

Cardholders get access to monthly credit score tracking. The score tracking feature allows you the opportunity to track your credit score with up to 12 months worth of data, including a monthly summary of your credit report and information about the factors that impact your score.

Reports to Major Credit Bureaus

Your payments are reported to all three major credit bureaus, Experian, Equifax and Transunion.


There is an opportunity to rebuild credit with this Card. With on-time payments you will be on the road to a better credit history and credit score. Automatic reviews for credit line increase opportunities!


There is an annual fee ranging from $0-$99.

Tips to Manage New Credit

When rebuilding credit apply for new credit sparingly. A few credit cards can help you establish a solid credit history. Once your credit scores improve you will be qualified for credit cards with better rewards and no annual fee.

Apply Now

The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The credit card offers that appear on this site are from credit card companies from which this site may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

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