Credit card

Credit One Bank® Platinum X5 Visa Signature® Card

Cash back

VISA

Apply for Credit One Bank® Platinum X5 Visa Signature® Card

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Card review

Credit One Bank® Platinum X5 Visa Signature® Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Maximize cash back on everyday spending with 5X rewards

Fee: $95 USD/yr
Purchase APR: 28.74% - 29.74%
Interest-free: -
Foreign fee: 3%

Rewards

5% cash back on the first $5,000 spent annually on eligible gas, groceries, internet, cable, satellite TV, and mobile phone services, then 1% thereafter. Unlimited 1% cash back on all other purchases. Up to 10% more cash back at select retailers.

Our verdict

What stands out, and where it falls short.

What we like

5% cash back on the first $5,000 spent annually…

Worth weighing

$95 USD/yr card fee
3% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the Credit One Bank® Platinum X5 Visa Signature® Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $95 USD/yr fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $95 USD/yr
Purchase APR: 28.74% - 29.74%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 28.74%–29.74% Variable
Annual Fee: $95
Foreign Transaction Fee: $1 or 3% of each purchase, whichever is greater

Rewards and features

Rewards: 5% cash back on the first $5,000 spent annually on eligible gas, groceries, internet, cable, satellite TV, and mobile phone services, then 1% thereafter. Unlimited 1% cash back on all other purchases. Up to 10% more cash back at select retailers.
Pay with: Apple Pay, Google Pay, Contactless
5% Rewards Cap: 5% cash back capped at $5,000 in eligible purchases per year ($250 max bonus); 1% thereafter
Minimum Credit Limit: $500

Benefits and perks

Extras that come bundled with the card.

Zero fraud liability

$0 fraud liability on unauthorized charges.
Free credit score access

Free online access to credit score.

Eligibility

What you need before you apply.

Recommended Credit Score: 580–740 (Fair to Good)

Credit One Bank® Platinum X5 Visa Signature® Card: your questions answered

How much does the Credit One Bank® Platinum X5 Visa Signature® Card cost?

The Credit One Bank® Platinum X5 Visa Signature® Card costs $95 USD/yr.

What rewards does the Credit One Bank® Platinum X5 Visa Signature® Card earn?

The Credit One Bank® Platinum X5 Visa Signature® Card earns 5% cash back on the first $5,000 spent annually on eligible gas, groceries, internet, cable, satellite TV, and mobile phone services, then 1% thereafter. Unlimited 1% cash back on all other purchases. Up to 10% more cash back at select retailers..

Does the Credit One Bank® Platinum X5 Visa Signature® Card charge foreign transaction fees?

Yes - the Credit One Bank® Platinum X5 Visa Signature® Card charges a 3% foreign transaction fee.

What is the interest rate on the Credit One Bank® Platinum X5 Visa Signature® Card?

The Credit One Bank® Platinum X5 Visa Signature® Card has a purchase APR of 28.74% - 29.74%.

Is the Credit One Bank® Platinum X5 Visa Signature® Card a credit, debit or prepaid card?

The Credit One Bank® Platinum X5 Visa Signature® Card is a credit card issued by Credit One Bank on the Visa network.

Does the Credit One Bank® Platinum X5 Visa Signature® Card support Apple Pay and Google Pay?

Yes - the Credit One Bank® Platinum X5 Visa Signature® Card works with both Apple Pay and Google Pay.

Where can I get the Credit One Bank® Platinum X5 Visa Signature® Card?

The Credit One Bank® Platinum X5 Visa Signature® Card is currently offered in United States.

How does DebitCue rate the Credit One Bank® Platinum X5 Visa Signature® Card?

DebitCue rates the Credit One Bank® Platinum X5 Visa Signature® Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Credit One Bank® Platinum X5 Visa Signature® Card?

Use the Apply now button to continue on Credit One Bank's secure site. Comparing and applying through DebitCue is free.