Credit One Bank® Platinum X5 Visa®

Apply for Credit One Bank® Platinum X5 Visa® Apply now for Credit One Bank® Platinum X5 Visa® at Credit One Bank's secure site Terms & restrictions apply. See rates & fees

Best for low spenders looking to earn cash back rewards

Automatic 5% cash back on up to $5,000 in eligible purchases each year and 1% cash back after that make this low-annual-fee card a great option for those looking to earn cash back but don’t spend a lot on their credit card each year. Cardholders can also earn up to 10% cash back at select retailers and 1% cash back on all other purchases.

At a glance

  • 5% Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
  • 1% 1% cash back rewards on all other purchases. Terms Apply.
no offer
28.24% Variable
28.24% Variable
$95
580-740
Fair, Good
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges

At a glance

  • 5% Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
  • 1% 1% cash back rewards on all other purchases. Terms Apply.
no offer
28.24% Variable
28.24% Variable
$95
580-740
Fair, Good
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees
Apply now for Credit One Bank® Platinum X5 Visa® at Credit One Bank's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3/5

Overview

This card offers 5% cash back rewards on the first $5,000 of eligible purchases each year, then 1% after that. Eligible purchases include eligible gas, grocery, internet, cable, satellite TV, and mobile phone services. Cardholders can also earn up to 10% cash back rewards from select participating merchants and 1% cash back on all other purchases. The annual fee on this card is $95.

Read the full review

Pros

  • This card offers 5% cash back rewards on the first $5,000 of eligible purchases each year, then 1% after that. Eligible purchases include eligible gas, grocery, internet, cable, satellite TV, and mobile phone services. Cardholders can also earn up to 10% cash back rewards from select participating merchants and 1% cash back on all other purchases.

Cons

  • It's not clear which selected retailers qualify for the up to 10% cash back rewards.

Who is this card good for?

This card is good for those who don’t spend a lot on their credit cards each year and are looking to earn cash back rewards.

Earning Rewards

This card offers 5% cash back rewards on the first $5,000 of eligible purchases each year, then 1% after that. Eligible purchases include eligible gas, grocery, internet, cable, satellite TV, and mobile phone services. Cardholders can also earn up to 10% cash back rewards from select participating merchants and 1% cash back on all other purchases.