Credit One Bank
Credit One Bank Platinum X5 Visa Signature
$95 / yr · Earns Cash Back
The Credit One Bank Platinum X5 Visa Signature is a cash back card with a $95 annual fee. It earns 5% cash back on the first $5,000 each calendar year in eligible gas, grocery, mobile phone, internet, cable and satellite TV purchases, then 1%, plus 1% on everything else. It has no foreign transaction fee and is aimed at people with average to excellent credit.
- 5%Gas +5
Maintained by Creddy Editorial · Catalog checked Oct 21, 2026
Credit One Bank Platinum X5 Visa Signature at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Credit One Bank
- Rewards:
- Cash Back
Credit One Bank Platinum X5 Visa Signature Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Gas | 5% | Up to $5,000/yr |
| Groceries | 5% | Up to $5,000/yr |
| Phone & internet | 5% | Up to $5,000/yr |
| Streaming | 5% | Up to $5,000/yr |
| Everything else | 1% |
Who Should Get the Credit One Bank Platinum X5 Visa Signature?
The Credit One Bank Platinum X5 Visa Signature fits people who spend most on gas (5%) and groceries (5%). With a $95 annual fee and no recurring credits in Creddy's catalog, your rewards need to cover the fee.
Is the Credit One Bank Platinum X5 Visa Signature Worth the $95 Annual Fee?
The Credit One Bank Platinum X5 Visa Signature costs $95 a year and lists no trackable statement credits, so its value has to come from earning rates and perks. Compare the rates above with your spending before paying the fee.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Credit One Bank Platinum X5 Visa Signature Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Credit One Bank Platinum X5 Visa Signature. Its value comes from its rewards and other benefits on this page.
More Credit One Bank Platinum X5 Visa Signature Card Benefits
Bonus Earnings
- 5% Cash Back on Gas, Grocery, Mobile Phone, Internet, Cable and Satellite TV5%
Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV and mobile phone service purchases each calendar year, then 1%. Warehouse clubs, discount supercenters such as Walmart and Target, PayPal purchases, home heating oil or propane, and groceries bought at drugstores, convenience stores or bakeries earn only 1%.
Checked Oct 21, 2026Source - Unlimited 1% Cash Back on All Other Purchases1%
Earn unlimited 1% cash back rewards on all other purchases, including 5% category purchases after the $5,000 yearly limit. Cash advances, balance transfers, interest and fees do not earn rewards.
Checked Oct 21, 2026Source
Purchase Protection
- Zero Fraud Liability
You are protected against unauthorized charges if your card is ever lost or stolen.
Checked Oct 21, 2026Source
Fees & Miscellaneous
- $95 Annual Fee$95 / yr
The Credit One Bank Platinum X5 Visa Signature has a $95 annual fee.
Checked Oct 21, 2026Source - Choose Your Payment Due Date
Cardholders can choose a new payment due date.
Checked Oct 21, 2026Source - Free Online Credit Score and Credit Report
Cardholders can view a free online credit score and credit report, and see what factors affect the score. Terms apply on registration.
Checked Oct 21, 2026Source - No Foreign Transaction Fee0%
The Credit One Bank Platinum X5 Visa Signature card agreement lists no foreign transaction fee.
Checked Oct 21, 2026Source
Credit One Bank Platinum X5 Visa Signature vs Similar Cards
- Amex Blue Cash Preferred$95 / yr (waived year 1)
- Amex Blue Cash Preferred (Morgan Stanley)$95 / yr (waived year 1)
- Amex Blue Cash EverydayNo annual fee
- Amex Cash MagnetNo annual fee
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Credit One Bank Platinum X5 Visa Signature FAQs
What is the Credit One Bank Platinum X5 Visa Signature annual fee?
$95 / yr