![]() ![]() ![]() Typically, you need good-to-excellent credit to qualify for credit cards that offer many benefits and perks. dollars, whichever is greater, on purchases made outside of the U.S.įoreign transaction fee winner: card_name Other card benefits The Credit One Platinum Visa charges either $1 or 3% of each purchase in U.S. The card_name wins in this category because it has no foreign transaction fees. These fees could add up quickly if you're a frequent international traveler. Some credit cards charge a fee on purchases made outside of the U.S., called a foreign transaction fee. card_name Visa gets the nod because it offers a potentially lower APR, but you'll need to meet credit requirements to earn it.ĪPR winner: card_name Foreign transaction fee With either card, you will pay a fairly high APR if you carry a monthly balance. Both cards feature variable APRs, which can change at any time based on the market. The Credit One Bank Platinum Visa has a variable APR of 28.99%. The card_name has a variable APR range of 24.99% to 34.49% based on your creditworthiness and other factors. The higher a card's APR, the higher the interest rate charged if you carry a balance. The annual percentage rate (APR) is the cost of borrowing money annually expressed as a percentage. With preapproval, you can choose whether to apply, knowing in advance if you meet the basic requirements for the no-fee version. If you don't meet the credit or other eligibility requirements for the card_name, Petal may pre approve you for the Petal 1 Rise Visa, which has a $59 annual fee. However, when you apply for preapproval through Petal, you're evaluated for multiple cards. The card_name doesn't charge an annual fee. Consider whether the card offers enough value through rewards, card features and perks to justify paying the additional cost.Ĭredit One charges a $39 annual fee on the Platinum Visa. Some credit cards come with an annual fee, the yearly cost for access to the card account and benefits. Rewards winner: Credit One Bank Platinum Visa Annual fee With unlimited 1% cash back in popular spending categories, the Platinum Visa is the clear winner for earning rewards. You earn an automatic statement credit based on the cash back earned from qualifying purchases.īoth cards' merchant cash back programs can be hit or miss depending on the offers available and your spending habits. You'll automatically earn cash back if your card purchases meet the offer requirements. This program runs separately from the card's primary cash back offer.Īvailable offers are found online at the More Program website or sent to cardholders via email. ![]() The card also earns up to 10% cash back at select merchants through the More Cash Back Rewards Program. Rewards are automatically redeemed as a statement credit equal to 1% of eligible purchases made during the billing period. Cash Back Points are redeemable for a statement credit, ACH transfer, or paper check by mail.Ĭredit One Bank Platinum Visa earns unlimited 1% cash back on eligible purchases of gas, grocery, internet, cable, satellite TV, and mobile phone service. They're also personalized and vary throughout the year, so the offers you see may be different from what’s given to another cardholder.Ĭash back earned is loaded into your Cash Back Wallet the following billing cycle as Cash Back Points. Merchant offers are automatically loaded to your Petal account. Cash back amounts range from 2% to 10% based on the offer terms. Instead, cardholders can earn cash back with select local and regional merchants. Welcome bonuses are limited-time offers for new cardholders who meet spending or other offer requirements to earn a one-time bonus, usually related to the card's rewards program structure.Ĭard_name doesn't offer a traditional rewards structure that earns points or cash back for all card spending. Like many credit-building cards, card_name and Credit One Bank Platinum Visa do not come with a welcome bonus offer. Consider these and other factors when deciding whether either card is a good fit for you. Below is a side-by-side overview of both cards. If you're looking for a way to build your credit, the card_name and Credit One Bank Platinum Visa offer features and tools to build your credit profile with responsible use. Keep reading for a side-by-side comparison of these credit-building credit cards to help you decide which is right for you. The two cards offer similar benefits, including reporting card payments to the three major credit bureaus. The card_name and Credit One Bank® Platinum Visa® for Rebuilding Credit are unsecured credit cards designed to help individuals build their credit. If you have poor or limited credit, you may not qualify for many traditional credit cards. ![]()
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