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Platinum X5 Visa® from Credit One® Bank Review

Platinum X5 Visa® from Credit One® Bank — all information about the credit card.

Updated June 07, 2024
Advertiser Disclosure Our Methodology
Credit One Bank® Platinum X5 Visa®
Apply now
Our Rating:
1.01 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.74% Variable
  • Balance Transfer APR:
    None
Show more

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Credit One® Bank Platinum X5 Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Gas
$
5%
Groceries
$
5%
Internet
$
5%
Cable and satellite TV
$
5%
Mobile phone
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 5% On the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.74% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 29.74% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 24 days after the close of each billing cycle. You will not be charged any interest on Purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $95 annually
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No limit to the amount of cash back you can earn
Cons:
  • Annual Fee
  • Balance transfers are not available
  • Foreign Transaction Fee
  • High APR

Features

Platinum
Visa
  • Cashback
  • Fraud Protection
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Credit One® Bank
Credit One® Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Purchase Intro APR
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    Purchase Intro APR
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    Annual Fee
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    Regular APR
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See Another Credit Cards in the Bank

Credit One® Bank Platinum X5 Visa® is an option for those, who need Platinum features. With an APR of 29.74% and $95 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Credit One® Bank Platinum X5 Visa® you will get such features as Cashback, Fraud Protection, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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