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Credit One Bank® Platinum X5 Visa® Review

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Credit One Bank® Platinum X5 Visa®

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Bestmoney Staff

Dec. 15, 2022

1 min read

Credit One Bank® Platinum X5 Visa® Summary

The Platinum X5 Visa Card offers the highest Credit One cash back rate - 5% on eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases for the first $5,000, then 1% after that. Although the card has an annual fee of $95, its exceptional rewards and lower qualifications (fair to good credit) makes the charges easier to offset.

Pros

Earn up to 5% cash back across multiple spending categories
Rotating cash-back offers at selected online retailers

Cons

$95 annual fee
Typically requires good to excellent credit

Credit One Bank® Platinum X5 Visa® at a glance

Editorial score

Fees

Multiple fees

3.0

APR

Accepts most credit types

5.0

Security

FDIC insured, does not offer encryption software

3.0

Customer service

Multiple communication options, wide range of hours

4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

5.0

Written by

Bestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.