- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Credit One Bank Platinum X5 is a rewards credit card designed for consumers looking to rebuild or establish credit while earning cash back on everyday spending. Ideal for individuals with limited or fair credit, this card offers 5% cash back on select categories—up to $5,000 in annual spending—and 1% cash back on all other purchases, making it best suited for disciplined spenders who can maximize the bonus categories. While the annual fee is not waived in the first year and there is no welcome bonus, the card includes flexible features such as the ability to choose your payment due date and credit score monitoring, providing convenience and financial insight for users managing their credit growth. With no foreign transaction fees, the Credit One Bank Platinum X5 card is a practical choice for domestic spenders aiming to earn rewards while responsibly building credit.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Credit One recommends that your credit score is similar to the average of most consumers
- It is recommended that you have some established credit a history with limited payment issues
- You can also see if you are pre-qualified before applying for this card
Fees
- $95 Annual Fee
- No Foreign Transaction Fee
- Up to $39 late fee
- Up to $39 return payment fee
- 29.74% Variable APR
- 31.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)