Credit One Bank® Platinum X5 Visa Signature® Card
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Credit One Bank® Platinum X5 Visa Signature® Card
Credit One Bank - Visa - Credit card
4.1
4.1 out of 5
8.2/10
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Head-to-head
Credit One Bank® Platinum X5 Visa Signature® Card vs SoFi Essential Credit Card
Compare Credit One Bank® Platinum X5 Visa Signature® Card and SoFi Essential Credit Card side by side: fees, rewards, APR, and perks.
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SoFi Essential Credit Card
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SoFi Essential Credit Card
SoFi - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Credit One Bank® Platinum X5 Visa Signature® Card | SoFi Essential Credit Card |
|---|---|---|
| Card fee | $95 USD/yr | No fee |
| Purchase APR (from) | 28.74% | 28.74% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 0% |
| 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. | 3% cash back exclusively on purchases made through the SoFi Travel Portal; no everyday rewards on other categories. |
| Installments | - | - |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Credit One Bank® Platinum X5 Visa Signature® Card if its checked rows above line up with how you spend most.
- Choose the SoFi Essential Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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