The Credit One Bank® Platinum Visa® for Rebuilding Credit Card is an unsecured credit card designed to assist people with poor credit to repair their rating. Since it reports all monthly payments to the main credit bureaus, using this card responsibly will not only improve your score gradually, but also might get you a line increase. 

This card offers 1% cash back on eligible everyday purchases like gas and groceries. It has an annual fee of $75 during the first year, and $99 after. The APR is 24.24% based on creditworthiness. Therefore, it’s important to pay the full bill on time every month. Credit One allows its customers to choose their payment due date. 

People with bad credit are welcome to apply, and the bank performs a soft pull on pre-qualifications. That said, you can check if this product is available to you without hurting your credit score. So keep reading if you’d like to learn more about the application process. 

Applying for a Credit One Bank® Platinum Visa® for Rebuilding Credit Card is super easy, and we’re gonna teach you how to do it. First, you’ll need to access the bank’s website. Then, you can either click on “see if you pre-qualify” or browse through their credit cards until you find the Platinum for Rebuilding Credit option in case you want more info about the card before applying. 

Next, you’ll need to fill in the form with your personal information, as well as contact details, social security number and monthly income. After that, read their Terms, Fees & Conditions and click on “see card offers” to learn what is available to your financial profile. If you’re qualified for this card, select “apply now” and the bank should email you with more details about your new credit card. 

Credit One has an easy-to-use mobile app with customizable notifications and free online access to your credit score. However, credit card applications are possible only via their website. Therefore, you cannot get the Credit One Bank® Platinum Visa® for Rebuilding Credit Card through the app. You can use the app to manage your account, pay your bills and check your balance, but not for new applications. 

It’s important to learn about other options before applying to one credit card. Therefore, we brought you another alternative to the Credit One Bank® Platinum Visa® for Rebuilding Credit Card: the Capital One Quicksilver Secured Cash Rewards Credit Card. With no monthly or annual fees, this product offers unlimited 1.5% cash back on every purchase.

It reports all payments to credit bureaus in order to help you repair your credit. However, it’s a secured card, so you need to put down a security deposit in order for it to work. Check some of its features below and follow the link under it to learn about the application process.