Credit One Bank® Platinum Rewards Visa with No Annual Fee
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Credit One Bank® Platinum Rewards Visa with No Annual Fee from Credit One earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2% back.
What does the Credit One Bank Platinum Rewards Visa with No Annual Fee earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Platinum Rewards Visa with No Annual Fee compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Platinum Rewards Visa with No Annual Fee compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Credit One Bank Platinum Rewards Visa with No Annual Fee reward caps and conditions?
The Credit One Bank Platinum Rewards Visa with No Annual Fee has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Get 2% cash back rewards on gas
- Get 2% cash back rewards on groceries
Who should get the Credit One Bank Platinum Rewards Visa with No Annual Fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back.
Credit One Bank Platinum Rewards Visa with No Annual Fee fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2% back.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Credit One Bank Platinum Rewards Visa with No Annual Fee have an annual fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Credit One Bank Platinum Rewards Visa with No Annual Fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee includes Booking.com, Dovly Uplift™, FICO Credit Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
FICO Credit Score
$25/yrFree Online Access to credit score
Booking.com
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.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the Credit One Bank Platinum Rewards Visa with No Annual Fee
Where do cardholders spend most with the Credit One Bank Platinum Rewards Visa with No Annual Fee?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), internet and cable (2x), telephone (2x) for the Credit One Bank Platinum Rewards Visa with No Annual Fee. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Credit One Bank Platinum Rewards Visa with No Annual Fee have an annual fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Credit One Bank Platinum Rewards Visa with No Annual Fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
Does the Credit One Bank Platinum Rewards Visa with No Annual Fee charge foreign transaction fees?
The Credit One Bank Platinum Rewards Visa with No Annual Fee carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What credit score do you need for the Credit One Bank Platinum Rewards Visa with No Annual Fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
How do you redeem rewards on the Credit One Bank Platinum Rewards Visa with No Annual Fee?
The Credit One Bank Platinum Rewards Visa with No Annual Fee carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
How does the Credit One Bank Platinum Rewards Visa with No Annual Fee compare to similar cards?
Compare the Credit One Bank Platinum Rewards Visa with No Annual Fee against Credit One Bank Platinum X5 Visa Signature (5% on Grocery, $95 fee); Credit One Bank Platinum Visa (1% on Grocery, $39 fee); Credit One Bank Platinum Visa For Rebuilding Credit (1% on Grocery, $99 fee). Madeen ranks effective value by category and annual fee using the same.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Credit One Bank Platinum Rewards Visa with No Annual Fee This card | Grocery | 2% | $0 |
| Grocery | 5% | $95 | |
Credit One | Grocery | 1% | $39 |
| Grocery | 1% | $99 | |
Credit One | Grocery | 1% | $39 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure