Credit One Platinum Card Credit History Requirements

The Credit One Platinum Preferred card, also known as the Credit One Bank Platinum Visa for Rebuilding Credit, is a tool for those with bad or limited credit looking to improve their credit score. Although it is for those with room to improve, the Credit One Platinum Preferred card requires a credit history; that history can range from bad to excellent. 

Who is the Credit One Platinum Preferred card for?

The Credit One Platinum Preferred card is for people with bad or fair credit. With free access to your credit score and a 1% cash back rewards rate, this card is great for those whose credit scores may have dipped and are hoping to rebuild. By constantly checking your Experian credit score, you can keep track of your progress and watch your credit score grow.

That being said, this card still requires a credit history. It is not a tool to create a credit history for those with none, rather a method to rebuild credit after a slip-up. Other cards such as the Capital One Platinum card are a better fit for those with no credit history. These other cards report to major credit bureaus, unlike the Credit One Platinum Preferred, and can start you on the right track to creating a credit history.

Conclusion

Although the Credit One Platinum Preferred card is available for those with bad credit, it still requires a credit history. This card is strictly used to help those with poor scores build back up, hence its alternative name: the Credit One Bank Platinum Visa for Rebuilding Credit. However, if you really want this card, you can always try to apply, even with limited credit history.