This card charges an annual fee of $39. You earn 1% cash back on everyday spending across multiple categories You get to select your own due date. The Platinum Visa card also comes with free access to your Experian credit score each month, so you can monitor your progress as you build credit responsibly.

This card may be one of the few unsecured cards available for those with average credit. Since this card is a Visa credit card, you'll have access to a few decent Visa benefits. The card does offer modest rewards on a few key spending categories.

28.49% High interest rate: Cardholders don't have access to a 0% introductory APR on purchases or balance transfers with the Credit One Bank® Platinum Rewards Visa with No Annual Fee. Instead, the card has a 28.49% (variable rate) APR.

Platinum Credit Cards often include exclusive travel benefits like airport lounge access, concierge services, travel insurance, and lost baggage reimbursement. Platinum Credit Cards typically offer purchase protections like extended warranties, returns, refunds, and product guarantees.

Generally, they're a step up from a gold credit card and are reserved for those with a good credit score providing you with access to a range of offers and perks, as well as a higher credit limit than standard options. In exchange for this, you can expect platinum cards to have a higher interest rate and an annual fee.

In the '90s, naming credit cards “platinum” and “gold” was a clever marketing device. It suggested premium value to consumers - and at first, it delivered on that promise. But if you want to find a card that offers the best value to you today, you need to look beyond the name. Here's how.

Foreign transaction fees of 3% – All of the Credit One credit cards charge a 3% foreign transaction fee. 1 This fee is levied for those making purchases while traveling internationally or buying from an online store based in another country.

Purchases - We won't charge interest on purchases if you pay the full amount you owe on each statement date on time every month. Otherwise we'll charge interest daily from the date an amount is charged to your account until it's paid in full.

How the Credit One Bank Platinum Visa for Rebuilding Credit Stacks Up

The American Express Platinum Card® has a variety of perks for frequent travelers. Here are some of our favorites: No foreign transaction fees. American Express has a Global Lounge Collection and has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide.

Frequent travelers will also appreciate that the Platinum offers the most comprehensive lounge access of any credit card, including a Priority Pass Select membership, Amex's growing global collection of Centurion Lounges, Delta Sky Clubs when flying Delta, and Airspace and Escapes lounges.

The American Express Platinum Card® has a variety of perks for frequent travelers. Here are some of our favorites: No foreign transaction fees. American Express has a Global Lounge Collection and has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide.