Credit One Bank® Platinum Rewards Visa with No Annual Fee review
No annual fee and solid cash back make this one of the best Credit One cards, but it still merits trading up when you’re able.
8 min read
Jul 02, 2026
Garrett Yarbrough
Former Writer, Credit Cards
-
6Years with Bankrate
-
100+Publications written
EXPERTISE
- Credit card
- Rewards credit cards
- Credit card comparisons
- Balance transfer credit cards
- Building credit
EDUCATION
- Bachelor of Arts in English, Certification in Business and Technical Communication, Creative Writing minor | East Carolina University
- Bachelor of Arts in History | East Carolina University
Garrett Yarbrough wrote credit card reviews, comparisons and guides for Bankrate and CreditCards.com. He comprehensively researched the market for more than five years, and specialized in evaluating the potential and personal value of credit cards for real people by providing the most insightful steps toward finding the best credit card — and personal financial growth at the end of the day.
He used his firsthand expertise and years of analysis to write and research for major Bankrate features, including Bankrate’s Best Credit Cards page, the latest credit card points and miles valuations, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ and Approval Odds tools.
Prior to joining Bankrate, Garrett worked as a copywriter at an ad agency, and then as a freelance writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Garrett beyond Bankrate
Beyond Bankrate
Garrett wants you to know
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
Garrett’s recommended readings
How to choose the right credit card
Rethinking credit: Tips for first-generation credit users
How to maximize your credit card rewards
Under-the-radar credit card perks you should know
Merchant category codes: How to earn more cash back
How much are points and miles worth in 2023?
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Garrett's latest articles
-
-
Credit One Bank® Platinum X5 Visa® Review
The Credit One Bank® Platinum X5 Visa® has an alluring cash back rewards rate, but the $95 annual fee and restrictive card terms can take a toll if you’re building credit. Read a full review here.
8 min read Jul 02, 2026 -
Blue Cash Preferred Card From American Express Review
American Express has updated the card details to include expanded bonus categories that help you earn even more on everyday spending.
14 min read Jul 01, 2026 -
Capital One Venture Rewards Credit Card Review
The Capital One Venture Rewards Credit Card is one of the best credit cards on the market if you want one of the easiest to manage travel rewards experiences available, but its new elite card sibling is likely a better value for many cardholders.
12 min read Jun 23, 2026 -
Discover Credit Cards - Best Offers for June 2026
Get objective reviews and advice from Bankrate experts on the best Discover credit cards for the year 2025. We'll help you find the card best suited for your needs.
9 min read Jun 23, 2026 -
Best credit cards for groceries for June 2026
Grocery rewards cards earn cash back or points on your essential everyday purchases at the supermarket. We’ll help you sort through all the options to see which one is right for you.
12 min read Jun 18, 2026 -
Milestone Mastercard Review
It lacks the value rival credit-building cards offer. The high annual fee, low starting credit limit and few credit-building tools make it hard to justify.
9 min read Jun 18, 2026 -
Citi Prestige Card Review
The Citi Prestige is a very competitive travel rewards cards for consumers who travel frequently and have excellent credit.
11 min read Jun 18, 2026