We earn a commission from brands listed on this site. This influences the order and manner in which these listings are presented.
BestMoney logo

Credit One Bank® Platinum X5 Visa® Review

Credit One Bank® Platinum X5 Visa®
Visit Site
Credit One Bank® Platinum X5 Visa®
Bestmoney Staff
Dec. 15, 2022
1 min read
BestMoney Staff
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.


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


  • $95 annual fee
  • Typically requires good to excellent credit

Credit One Bank® Platinum X5 Visa® at a glance

Editorial score


Multiple fees


Accepts most credit types


FDIC insured, does not offer encryption software

Customer service

Multiple communication options, wide range of hours

Online experience

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


BestMoney Staff
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.
Top Credit Cards
Chase Sapphire Preferred
Chase Sapphire Preferred
Read Review|Visit Site
Read all reviews

Must Reads

How to Get Approved for a Credit Card
May. 19, 2024
The Ultimate Travel Credit Card Guide
May. 19, 2024
What is a Credit Builder Credit Card?
May. 19, 2024
Read all articles