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Saturday, October 24, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Credit One Bank® Platinum Rewards Visa® With No Annual Fee: annual fee, APR and rewards

Fact sheet for the Credit One Bank® Platinum Rewards Visa® With No Annual Fee, issued by Credit One, with no annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

IssuerCredit One
NetworkVisa
Annual fee$0
Fee waiver$0 Annual Fee
RewardsCashback: 1% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV purchases.
Purchase APR29.74% Variable Purchase APR (WSJ Prime + 22.99%) - Credit One card agreement version D529, dated 2026.06.30; not verified on the live card page
Balance transfer feeEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Foreign transaction fee3% of each transaction
Credit levelGood (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 29.99%, with a range of 28.74% to 30.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

Similar cards

Apple Card

Apple (Goldman Sachs) · Mastercard

Annual fee
$0
Rewards
Cashback
APR
17.74% to 27.99%
Credit
Excellent, Good
  • No annual fee
  • Cash back
  • No foreign transaction fee
See details

Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. creditonebank.com/credit-cards/platinum-no-fee · files.consumerfinance.gov/a/assets/credit-card-agreements/p… · files.consumerfinance.gov/f/documents/cfpb_tccp-data_2025-1…

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Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

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Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.