Credit One Bank Platinum X5 Visa
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.
1% to 5%
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|
Interest Rates & Fees
|Foreign Transaction Fee||Either $1 or 3% of each purchase in U.S. dollars, whichever is greater.|
|Regular APR||28.74% (V) APR|
What Credit Score Is Required to Get the Credit One Bank Platinum Visa X5
- 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)
1% - 5%
Blue Cash Preferred® Card from American Express
$0 intro annual fee for the first year, then $95.
Citi Custom Cash℠ Card
1% - 5%