Cash back · Visa · $99 annual fee
Last verified 2026-10-26. Review issuer source
Credit One Bank Platinum Visa For Rebuilding Credit is a $99-a-year cash back card from Credit One. Its best everyday rates are 1% on gas stations, 1% on grocery stores, and 1% on telecom; everything else earns 0%.
On our reference budget of $24,600 a year its rewards come to $84, $15 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Get 1% cash back rewards on gas
Get 1% cash back rewards on groceries
Get 1% cash back rewards on your monthly mobile phone, internet, cable, and satellite TV services
No welcome bonus is stored for this catalog entry yet.
Free Online Access to credit score
These come from Visa, not from Credit One. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
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. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
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.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Credit One Bank® Platinum Visa For Rebuilding CreditThis card · 1% on gas stations | $99 | $84 | −$15 | 1108th of 1,284 |
| Credit One Bank® Platinum X5 Visa SignatureCredit One's most-held other card · 5% on gas stations | $95 | $542 | +$447 | 438th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
