Assent Platinum 0 Intro Rate

By Raquel Oliveira • 04/08/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

The Assent Platinum 0 Intro Rate Card makes it simple with no credit check or minimum score required. It’s designed to help you establish a positive credit history while reporting to all three major credit bureaus. 

But there are some costs and rules you’ll want to consider first. Is this the right card for you? Keep reading to find out.

With 0% APR for the first six months, it gives you a chance to make purchases without paying interest, plus it reports to all three credit bureaus. 

Whether you’re starting out with credit or want to increase your limit over time, keep reading to learn how to make the most of this card and its benefits.

0% APR for 6 Months

One of the best things about the Assent Platinum 0 Intro Rate is its 0% APR for the first six months. This means you can make purchases and not worry about paying interest during that time. 

As long as you pay your balance off within six months, you won’t pay any interest, which can save you a lot of money. 

After that, the standard APR of 12.99% applies, so it’s important to use this intro period wisely. If you can pay off your balance before the 6 months are up, you’ll avoid interest altogether.

Pros and Cons

Before applying for the Assent Platinum 0 Intro Rate, it is important to evaluate both its benefits and limitations to determine if it meets your needs.

Pros:

• 0% APR on purchases for the first six months, allowing interest-free spending in the initial period.
• Helps build credit by reporting payments to major credit bureaus, improving financial standing.
• Provides security features that protect cardholders against fraud and unauthorized transactions.

Cons:

• Requires a security deposit, which may not be ideal for users who prefer unsecured credit options.
• Cons: Annual fee of $49, which adds a cost to maintaining the card.
• Cons: Limited benefits compared to other credit cards, as it does not offer rewards or cashback programs.

Understanding these factors will help you decide whether this card aligns with your financial situation and goals.

How do I know if the assent platinum 0% intro rate card is right for me?

To figure out if the Assent Platinum 0 Intro Rate is right for you, consider your credit goals. If you’re looking to build or rebuild your credit, this card could be a good choice. 

The 0% APR for the first six months gives you a chance to make purchases and pay them off interest-free. However, keep in mind that you need to make a security deposit (at least $200) to open the account. 

Also, if you’re after a rewards program or a card with low fees, this card might not be the best pick since it doesn’t offer rewards and charges a $49 annual fee. If your goal is to improve your credit score and you’re okay with the deposit, this card can be a useful tool.

Why do we like this card?

First, the 0% APR for the first six months is a great deal if you need to make purchases and pay them off over time without paying interest. 

This makes it easier to manage your budget. Second, the card reports to all three credit bureaus, which can help you build your credit score. 

Another thing we like is the straightforward nature of the card. There are no complicated rewards programs to track or hidden fees to worry about. Plus, as you use the card responsibly, your credit limit can grow over time, giving you more flexibility.

Conclusion for Assent Platinum 0 Intro Rate

This credit card is a useful tool for individuals looking to rebuild their credit while enjoying an initial 0% APR period. Its benefits make it an appealing choice for responsible users.

If you need a credit card that provides an easy approval process and helps you establish credit while offering an interest-free introductory period, the Assent Platinum 0 Intro Rate is a reliable choice.