Assent Platinum 0 Intro Rate – How to Apply

By Raquel Oliveira • 03/03/2025

Assent Platinum 0 Intro Rate offers 0% introductory APR and International acceptance.

The Assent Platinum 0 Intro Rate credit card is a secured option designed for individuals aiming to build or rebuild their credit. It features a 0% introductory APR for six months, making credit improvement more manageable.

With worldwide acceptance, fraud protection, and financial management tools, this card offers the flexibility and security needed to improve credit scores while ensuring responsible spending and financial control.

As a secured credit card, it requires a refundable security deposit, which sets the credit limit. This structure makes approval easier for individuals with limited credit history or past financial difficulties.

In this article, we explore how the card works, its main benefits, potential drawbacks, applicable fees, and the application process to help you decide if it aligns with your financial needs.

How does Assent Platinum 0 Intro Rate work?

This card works by offering 0% APR for the first 12 months on both purchases and balance transfers.

During this introductory period, you can make purchases or transfer balances from other credit cards without incurring interest charges. This allows you to save money on interest and focus on paying down your balance.

For example, if you’re transferring debt from a high-interest credit card, the 0% intro APR can help you pay off the balance faster, without the added burden of interest charges. Once the 12-month intro period ends, the APR reverts to a variable rate.

Additionally, the Assent Platinum 0 Intro Rate card has no annual fee, which further reduces the overall cost of using the card. It is important to remember that balance transfers typically come with a fee, which may vary depending on the amount you’re transferring.

Main benefits for the Assent Platinum 0 Intro Rate

• 0% introductory APR for purchases during the first six months, allowing users to make transactions without incurring interest on their balances.
• International acceptance in more than 200 countries, including compatibility with car rental agencies and hotel reservations, making it useful for travelers.
• Fraud protection features, ensuring zero liability on unauthorized purchases, providing security and peace of mind against identity theft and fraudulent activity.
• A digital account management system that offers real-time balance tracking, transaction monitoring, and secure credit card control via an intuitive mobile platform.

Who Should Apply for the Assent Platinum 0 Intro Rate Credit Card?

The Assent Platinum 0 Intro Rate credit card is best suited for individuals looking to build or rebuild their credit with a secured credit option that reports monthly to major credit bureaus.

It is ideal for those who value a 0% introductory APR on purchases, as it provides a short-term period of interest-free spending, helping users manage expenses effectively.

The card is also a strong choice for international users, offering global acceptance in over 200 countries, making it a convenient option for frequent travelers needing rental car or hotel booking access.

However, individuals seeking cashback, rewards, or lower annual fees may find better alternatives, as this card prioritizes credit rebuilding and security features over financial incentives.

APR and Fees

• Understanding the fees and interest rates associated with the Assent Platinum 0 Intro Rate credit card is essential for effective financial planning and avoiding unnecessary costs.
• No balance transfer option is available, meaning users cannot transfer existing debt from other credit cards to consolidate or reduce interest payments.
• The introductory APR for purchases is set at 0% for the first six months, allowing interest-free spending during this initial period.
• After the promotional period, the standard purchase APR increases to 12.99%, which is relatively competitive compared to other secured credit cards.
• An annual fee of $49 is charged for account maintenance, making it slightly higher than some alternative secured credit card options available in the market.

Cons of the Assent Platinum 0 Intro Rate Credit Card

The card does not offer cashback, rewards, or a loyalty program, making it less attractive for those seeking long-term financial incentives through credit usage.

Requires a refundable security deposit, which determines the credit limit, meaning initial available credit may be lower than expected for some users.

Annual fee of $49, which is considered higher than some secured credit cards within the same category, potentially reducing the cost-effectiveness of the card.

The introductory 0% APR is limited to purchases and only applies for six months, after which the APR increases to a standard 12.99% rate.

How to Apply for the Assent Platinum 0 Intro Rate Credit Card

• Applying for the Assent Platinum 0 Intro Rate credit card is a simple and accessible process, which can be done online through the official website or mobile banking app.
• Once approved, fund the required security deposit, which establishes the credit limit, and wait for the physical card to arrive for activation and use.
• Visit the official website of the credit card issuer and navigate to the application section to begin the process.
• Complete the online application form by entering personal details, financial information, and selecting the preferred security deposit amount.
• Submit the application and await credit review, which primarily focuses on identity verification rather than credit history, ensuring a high approval rate.

Final Considerations

The Assent Platinum 0 Intro Rate credit card is a valuable tool for individuals rebuilding their credit, offering a low, fixed APR after six months and global purchasing flexibility.

Despite its security deposit requirement and annual fee, the card provides fraud protection, digital account tools, and international usability, making it a strong financial option for users with limited credit history.

Before applying, consider whether the security deposit aligns with your budget and financial goals. Used strategically, this card can help users improve their credit scores and qualify for better financial products in the future.