Credit One Bank Platinum X5 Visa Signature Card
$95 a year. Purchase APR 28.74–30.49%, variable.
- Annual fee
- Issuer's pagecreditonebank.com
“Annual Fee † : $95”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $215 | $215 |
| Typical spender | $405 | $405 |
| Heavy spender | $765 | $765 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Cash Back Rewards
- 5%gas
- 5%grocery
- 5%internet
- 5%cable
- 5%satellite TV
- 5%mobile phone services
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagecreditonebank.com “Annual Fee † : $95” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Contactless Payment: EMV chip technology guards against counterfeiting.
- Zero Fraud Liability protects against unauthorized charges if the card is lost or stolen.
- Easy-to-Use Mobile App with Apple Pay, Samsung Pay, and Google Pay support.
- Customizable Notifications for payment due dates, posted payments, and posted activity.
- Ability to choose a new payment due date.
- Access to a free online credit score and credit report, including factors contributing to the score.
Questions
- What is the annual fee?
- $95 creditonebank.com, since Oct 4, 2026
- What is the purchase APR?
- 28.74–30.49% APR Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What credit do you need?
- Average-Excellent Credit creditonebank.com, since Sep 29, 2026
Other cash back cards with fees up to $100
- The One Key+ Card MastercardWells Fargo · $99 a year+$230 a year
- Blue Cash PreferredAmerican Express · $95 a year+$150 a year
- Credit One Bank WanderCredit One · $95 a year+$110 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).