Credit One Bank® Platinum X5 Visa Signature® Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred): fees, rewards and APR compared - DebitCue Skip to content
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Credit One Bank® Platinum X5 Visa Signature® Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred)

Compare Credit One Bank® Platinum X5 Visa Signature® Card and Upgrade Visa® Debit Card (Rewards Checking Preferred) side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Credit One Bank® Platinum X5 Visa Signature® Card versus Upgrade Visa® Debit Card (Rewards Checking Preferred) compared by attribute
Feature Credit One Bank® Platinum X5 Visa Signature® Card Upgrade Visa® Debit Card (Rewards Checking Preferred)
Card fee $95 USD/yr No fee
Purchase APR (from) 28.74% -
Interest-free period - -
Foreign transaction fee 3% 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. Up to 2% cash back on purchases at convenience stores, drug stores, gas stations, restaurants, monthly subscriptions, and utilities. Capped at $500 in 2% rewards per calendar year (then drops). Requires $1,000/month direct deposit to maintain top-tier rewards.
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 Upgrade Visa® Debit Card (Rewards Checking Preferred) 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.
Full review Credit One Bank® Platinum X5 Visa Signature® Card Full review Upgrade Visa® Debit Card (Rewards Checking Preferred)

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