Assent Platinum 0% Intro Rate Credit Card – How to Apply

By Raquel Oliveira • 03/05/2025

Assent Platinum 0% Intro Rate offers provides 0% APR while supporting credit building or rebuilding.

The Assent Platinum 0 Intro Rate credit card is a secured option designed for individuals aiming to build or rebuild their credit while taking advantage of a 0% introductory APR for the first six months.

With global acceptance, fraud protection, and financial management tools, it offers security and flexibility for responsible credit use and score improvement.

As a secured card, it requires a security deposit that determines the credit limit, making it accessible even for those with limited credit history.

This article covers how the card works, its key benefits, potential drawbacks, applicable fees, and the application process to help you decide if it aligns with your financial goals.

How Does the Assent Platinum 0% Intro Rate Credit Card Work?

This credit card is structured to help users rebuild their credit history while offering financial security and control through a refundable security deposit system that determines the assigned credit limit.

Each monthly payment is reported to major credit bureaus, ensuring that responsible usage improves the user’s credit score over time, increasing future borrowing opportunities with traditional credit products.

The card also prioritizes fraud protection and emergency assistance, safeguarding users against unauthorized transactions and providing support in case of identity theft, lost cards, or financial emergencies while traveling.

By maintaining on-time payments and low credit utilization, users can gradually enhance their financial credibility, making them eligible for unsecured credit cards, loans, and other financial products.

Main Benefits of the Assent Platinum 0% Intro Rate Credit Card

• 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.

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.

APR and Fees

The Assent Platinum 0% Intro Rate Credit Card offers a six-month 0% introductory APR on purchases, making it a great choice for those who need an interest-free period to manage expenses or build credit.

After the introductory period ends, a regular APR applies, which varies depending on creditworthiness. Additionally, a security deposit is required, with the minimum deposit typically starting at $200. 

This deposit acts as the credit limit, meaning users who want a higher spending limit must deposit a larger amount upfront. While there is no rewards program, the primary benefit of this card is its interest-free period, which is uncommon among secured credit cards. 

This makes it a valuable option for those who need time to build credit without worrying about immediate interest charges.

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.

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.

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

Applying for the Assent Platinum 0% Intro Rate Credit Card is straightforward and does not require a credit check, making it accessible for those with bad or no credit history.

To apply, visit the Assent website and complete the online application, which includes basic personal and financial details. 

Applicants must provide a refundable security deposit, which determines their credit limit. 

Since this card does not require a credit check, approval is guaranteed as long as the deposit is provided. Once approved, the card typically arrives within 7–10 business days, allowing users to start making purchases and building credit immediately.