Assent Platinum 0 Intro Rate – How to apply

By Raquel Oliveira • 03/18/2025

Assent Platinum 0 Intro Rate offers 0% introductory APR for purchases.

Ascent Platinum 0 The Intro Rate credit card is a credit card designed for people with limited credit or those wishing to improve their credit.

It combines 0% APR on purchases and a secure card structure, making it an affordable and convenient option for those seeking financial security.

This card allows its holders to build a positive credit history while gaining wide acceptance at millions of merchants that accept Visa. Punctual and responsible payments are reported to the main credit agencies, improving your score over time.

Although a deposit is required, Ascent Platinum offers competitive conditions and an attractive introductory period, making it ideal for those looking for a reliable and functional financial solution.

How does the Assent Platinum 0 Intro Rate credit card work? 

Ascent Platinum 0 Intro Rate The credit card Is the Ascent Platinum 0 Intro Rate a secured credit card.This means that an initial deposit is required, which acts as the cardholder’s credit limit.

One of the card’s main features is an introductory 0% APR period on purchases for the first six months, allowing cardholders to make purchases without accruing interest during this period. Upon completion, a competitive fixed interest rate will be applied.

In addition, cardholders can use the card for all day-to-day transactions, such as purchases, bill payments and bookings, while building up a good credit history.

Your issuer will report your card usage to the main credit agencies on a monthly basis, helping you to improve your credit score through regular and responsible payments.

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.

Main Benefits of the Assent Platinum 0 Intro Rate Credit Card

• A digital account management system that offers real-time balance tracking, transaction monitoring, and secure credit card control via an intuitive mobile platform.
• 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.

Cons of Assent Platinum 0 Intro Rate

• Mandatory deposit: In order to obtain the card it is necessary to make an initial deposit that establishes a credit limit, which can be a barrier for some people. 
• Annual fee: This card has an annual fee of approximately US$49, which may not be ideal for those looking for an annual fee-free credit option.
• No rewards or cash back: Unlike other cards, the Ascent Platinum offers no perks or cash back programs and focuses solely on building credit.

This is an excellent credit repair tool, but may not meet the expectations of people looking for additional perks and rewards.

APR and fees

Assent Platinum 0 Introductory Rate The credit card is known for offering 0% introductory APR on purchases for 6 months, allowing cardholders who need to finance large purchases in the short term to offer significant savings to those who 

After the  introductory period, the fixed interest rate is approximately 12.99% p.a., which is competitive compared to other secured cards on the market.

In addition, the card has an annual fee of US$49, but there are no hidden charges or maintenance fees. Penalties may apply for late payments, so it’s important to manage your balance properly to avoid additional charges.

How to apply for the Assent Platinum 0 Intro Rate

Applying for the Ascent Platinum 0 Intro Rate credit card is very easy and can be done online. Applicants will need to go to the card’s official website and fill in a form with basic information such as personal, income and financial details.

During the application process, you will be asked to pay a deposit of between US$200 and US$2,000, depending on the desired credit limit. This deposit must be paid before approval and serves as a guarantee for the issuer.

Once approved, the card will be sent to the cardholder’s address and the cardholder will be able to use it immediately. To make the most of its benefits, it is important to take advantage of the introductory 0% APR period, ensure punctual payments and build up a solid credit history.

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.