The Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured credit card tailored for those with fair or rebuilding credit who want to earn modest rewards without needing a deposit. With 1% cash back on essentials like gas, groceries, mobile service, internet, cable, and satellite TV, it offers everyday value toward your credit-building journey.

There’s no security deposit required, and you get access to your Experian credit score online at no cost—helpful tools as you work to improve your financial standing. Expect an APR of 29.24% variable and a $75 annual fee in the first year, rising to $99 annually thereafter (billed as $8.25 per month). The card reports to all three major credit bureaus monthly, making it a practical option for rebuilders who plan to pay in full each month and avoid interest charges.

While the annual fee is higher than many secured alternatives, the convenience of an unsecured card with automatic cash back rewards and consistent credit reporting may be a worthwhile trade-off for those who qualify and use it responsibly.