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Ollo Platinum Card card

Ollo Platinum Card: $0 Annual Fee

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$0 to $39
Recommended credit
Fair / Poor
Card network
Mastercard
Regular purchase APR
23.99% to 28.99% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

No annual fee. Free FICO® scores. No surprise fees. The Ollo Platinum Card offers peace of mind as you build (or repair) your credit; take advantage of low interest, no extra fees to cut into your saving, and no rate hikes when you make a late payment.

Our review of the Ollo Platinum Card

The Ollo Platinum Card is a top choice for those looking to improve their credit score and save money. With no annual fee, over-limit fees, returned payment fees, or foreign transaction fees, this card offers freedom from unnecessary charges. Plus, if you miss a payment, Ollo won’t raise your rates.

Only Available with a Preapproved Mail Offer

To apply for the Ollo Platinum Card, you’ll need a preapproved mail offer. This card is designed for those with near-prime credit, similar to the popular Mercury® Mastercard®. Preapproved offers are based on partial credit information from the major credit bureaus.

Ollo Card Credit Score Requirements

While Ollo doesn’t disclose specific credit score requirements, those with average or near-prime credit may receive an invitation. A “fair” credit score typically falls between 630 and 689. Other factors like new accounts and overall credit history are also considered.

Ollo Platinum Card Features

The Ollo Platinum Card offers a low APR compared to similar cards, making it a cost-effective option. There are no annual or activation fees, and no over-the-limit, returned payment, or foreign transaction fees. Responsible card use can lead to credit limit increases over time.

Tips for Maximizing the Benefits

To get the most out of your Ollo Platinum Card, pay your balance in full monthly, set up automatic payments, and monitor your credit score regularly. The card also provides 24/7 customer service, a mobile app, and Mastercard purchase protections.

Other Card Offers to Consider

If you don’t have a preapproved mail offer for Ollo, consider alternative options like the Fortiva® Mastercard® or the Surge® Platinum Mastercard®. These cards cater to those with bad to fair credit and offer different rewards and fees.

Should You Apply for the Ollo Platinum Card?

Overall, the Ollo Platinum Card is a solid choice for those looking to build credit and save money. While the reservation code requirement may be a drawback for some, there are other excellent card options available. Consider your credit needs and financial goals before applying for the Ollo Platinum Card or exploring alternative card offers.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee, no foreign transaction fees
  • Automatic credit line increase reviews
  • Zero Fraud Liability
  • Online and mobile access, 24/7 U.S. based customer service

Who this card may suit

  • You want a card with no surprise fees
  • You want Zero Fraud Liability
  • You want to build your credit score, or repair it
  • You want a card with 24/7 customer service and online account access

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$0 to $39
Regular Purchase APR23.99% to 28.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR23.99% to 28.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance APR23.99% to 28.99% variable based on creditworthiness
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit.

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Ollo Platinum Card

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