Credit One Bank Platinum X5 Visa
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The Credit One Bank Platinum Visa X5 is a cash back card designed for those with average credit who want a 5% cash back credit card. It offers 5% cash back on the first $5,000 in combined gas, groceries, internet, cable, satellite TV, and mobile phone services. After that, you earn 1% cash back. According to the card’s website, you can get up to 10% cash back from top retailers however, we couldn’t find any specific information on what those retailers are. Another quirk of applying for a Credit One credit card is that you submit a preapproval form, and then Credit One will tell you what credit cards you’re eligible to apply for–you can’t just choose for yourself. Also, the APR is quite high. We dive into the details in this Credit One X5 review.
Our Rating
3.0/5.0
Welcome Offer
None
Annual Fee
$95
0% on Purchases
N/a
Reward Rate
1% to 5%
0% on Balance Transfers
N/a
Welcome Offer
None
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts, Identity theft protection |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, Choose your due date, 24/7 customer service |
| Travel Perks |
Rewards
Interest Rates & Fees
| Annual Fee | $95 |
| Foreign Transaction Fee | Either $1 or 3% of each purchase in U.S. dollars, whichever is greater. |
| Regular APR | 29.74% (V) APR |
Pros & Cons
- Up to 5% cash back on everyday purchases
- Annual fee
- No welcome bonus
- High APR
- Foreign transaction fee
What Are the Best Alternatives?
Chase Freedom Flex(SM)
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0