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A rare credit-building rewards card, but the annual fee could get in the way.
Written by Garrett Yarbrough
Edited by Nouri Zarrugh
/ 11 min
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Snapshot
3.8
Bankrate rating
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Rating: 3.8 stars out of 5
Bottom line
This card offers cardholders with fair credit the rare opportunity to earn up to 5 percent cash back rewards on the first $5,000 of eligible gas, grocery and internet purchases each year (then 1 percent). Beyond that, it’s a solid choice for people trying to improve their credit scores — but only if they can afford the $95 annual fee.
Recommended credit score:(580 - 740)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
Credit One Bank
's secure site
Intro offer
Intro offer is not available for this Credit One Bank credit card.
N/A
Rewards Rate
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% cash back rewards on all other purchases, terms apply.
1% - 5%
Annual fee
$95
Regular APR
29.74% Variable
3.8
Bankrate Score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Cost of membership
4.0 / 5
Ease of building credit
4.0 / 5
APR
2.0 / 5
Features
3.8 / 5
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On This Page
On This Page
- Current offer details
- Credit One Bank Platinum X5 Visa pros and cons
- Reasons to get this card
- Reasons to skip this card
- Credit One Bank Platinum X5 Visa vs. other credit building cards
- Is this card worth getting?
- Rating methodology
- Frequently asked questions
- What cardholders think
Credit One Bank® Platinum X5 Visa overview
The Credit One Bank® Platinum X5 Visa credit card is a step up from other Credit One cards since it offers 5 percent cash back rewards categories and 1 percent back on everything else.
However, it carries the same finicky prequalification process. Rather than applying directly for the Platinum X5 Visa card, you submit a preapproval form that covers all Credit One Platinum cards. Credit One will gauge your creditworthiness and determine which cards you’re eligible for. This can be frustrating since you may not be approved for the card you want, removing some agency over a decision related to your finances.
The Platinum X5 Visa isn’t a bad option if you qualify and you want an unsecured credit card for average credit, but its unwelcome annual fee may limit the card’s value in the long run. Knowing your goals beforehand may help you find a card from another issuer that offers you better overall value while you build credit.
Rewards
- 5 percent cash back rewards on eligible gas, grocery, mobile phone service, internet service and cable and satellite TV service purchases (up to $5,000 in purchases per year, then 1 percent).
- 1 percent cash back rewards on all other purchases. Terms Apply.
Expert Appraisal: Good
See our expert analysisRates and fees
- Annual fee: $95
- Regular APR: 29.74 percent variable
- Possible credit limit increase fee
- Foreign transaction fee: 3 percent (or $1, whichever is greater)
- Late fee: Up to $39
- Returned payment fee: Up to $39
Expert Appraisal: Weak
See our expert analysisCredit-building features
- Access to monthly credit report
Expert Appraisal: Weak
See our expert analysisOther cardholder perks
- Credit One More Rewards
- Visa Offers + Perks
Expert Appraisal: Typical
See our expert analysis
Credit One Bank Platinum X5 Visa pros and cons
Pros
This is one of the few cards for fair or average credit to offer a high cash back rate.
You’ll get basic Visa benefits like roadside assistance and fraud protection.
Cons
The application process is complicated and doesn’t let you apply for the card you want directly.
The $95 annual fee eats into your initial $500 minimum credit limit.
You'll find higher annual spending caps on rotating bonus category cards.
Why you might want the Credit One Bank Platinum X5 Visa
The Credit One Bank offers an attractive set of rewards and perks for a credit card for fair credit.
Rewards rate: Generous cash back for a credit-building card
The Credit One Platinum X5 Visa card earns 1 percent cash back rewards on all purchases and 5 percent cash back rewards on your first $5,000 in annual spending on eligible gas, grocery, internet service, cellphone service, cable and satellite TV service purchases. After you meet this spending cap in those categories, your rate reverts to 1 percent.
This generous rate covers a terrific mix of everyday spending categories and it’s one of the highest rewards rates you can get in these categories on a card available with only fair credit. Most competing cards only offer a flat 1 to 1.5 percent back.
That said, the card’s bonus category spending limit is disappointing. While a $5,000 annual spending limit is impressive for a card designed for people with fair credit, it is less lucrative than the limit on most 5 percent rotating cash back category cards (typically $1,500 per quarter or $6,000 per year). Maximizing your rewards may also be unrealistic if you start with the minimum credit limit of $500. If you pay your bill monthly, you may only have $500 in purchasing power each billing cycle, which could mean missing out on potential cash back.
Also, although it’s a Visa card, eligible purchases for this card are defined by each merchant’s “Standard Industrial Classification Code” instead of Visa’s typical merchant category codes (MCCs). That means your Platinum X5 Visa might not earn rewards at the same places your other Visa cards do.
Cardholder perks: More opportunities for cash back
The Platinum X5 Visa's perks aim to put even more cash back in your pocket. The Credit One More Rewards and Visa Offers + Perks programs allow you to save money with select online shopping retailers by linking your credit card to these online portals.
The limited-time More Rewards merchant offers can provide extra cash back rewards, while Visa Offers + Perks provides product discounts. Just be sure to read the offer limitations carefully.
All Visa credit cards also carry perks based on your credit limit. The Credit One Platinum X5 Visa card qualifies as a Visa Traditional card, which will get you basic features like $0 liability on unauthorized purchases, emergency card replacement, emergency cash disbursem*nt and 24/7 pay-per-useroadside dispatch.
Why you might want a different credit-building card
While the Platinum X5 Visa offers a great rewards rate for a credit-building card, it falls short in other areas like rates and fees and credit-building features.
Rates and fees: High interest can impact your balance
If you’re looking for a low-cost starter card, you might want to pass on the Platinum X5 Visa.The APR is well above the current average credit card interest rate and you’ll have to spend at least $1,900 per year (or $159 per month) in the card’s 5 percent cash back rewards categories just to offset the $95 annual fee with rewards.
Depending on your creditworthiness, you may also need to pay a fee to upgrade your credit limit. The card’s foreign transaction fee, late payment fee and returned payment fee could also snowball your balance given the high interest rate.
Credit-building: Few features to speak of
Despite being marketed as a credit-building card, the Platinum X5 Visa offers little in the way of additional perks to help you build credit. It offers a mobile app and the ability to check your credit score for free, but these are standard features on nearly all credit cards.
The card also offers a “credit protection” program, but its cost may outweigh its benefits. By paying 0.96 cents per $100 of your standing balance on each monthly statement, Credit One will waive your minimum payment for up to six months if you experience involuntary unemployment or disability. Beneficiaries can also receive up to a $10,000 balance payoff in the event of death.
Along with the monthly fee for carrying a balance, drawbacks include having your account frozen (except to accrue interest) once you activate your protection and having to wait 30 days to see your policy take effect. Considering these setbacks and other major costs, like compound interest, opting for another debt management plan might be a better idea.
Credit limit: It may be small to start
The minimum initial credit limit with the Credit One Bank X5 Visa is just $500 (minus the $95 annual fee). A low starting credit limit doesn't offer much spending power and could make it challenging to maintain a low credit utilization ratio, which may harm your credit. Plus, Credit One can cancel your account if you’re 20 percent over the limit.
This small credit limit is also counterproductive to the reward potential of the card, giving you less wiggle room to spend on eligible categories depending on your financial situation.
Staff experience: Here's what our experts say
Even with only a fair credit score, you can do much better than the Platinum X5 card, says Bankrate editor Nouri Zarrugh. When he was looking to build his limited credit history, he had luck getting approved for a couple of no-annual-fee co-branded cards, including store cards.
Based on this experience, he cautions credit-builders not to assume they can't get approved for low-cost unsecured cards. As long as you seek out preapproval opportunities and keep your expectations in check, you should be able to find a decent card to help you move from fair to good credit, without drowning in fees.
His advice: Hold off on pricey rewards cards until you've established at least a good credit score. That will give you more options in the long run — cards that will not only offer solid rewards rates and more value for their fee, but also higher starting limits, reasonable APRs and sign-up bonuses.
When I was looking for my first credit card, I got a lot of mail offers for cards like the Platinum X5 — high-fee cards with lots of restrictions, sent from companies I'd never heard of. I almost applied, too, thinking I had to start somewhere.
But I ended up trying for a no-annual-fee store card first. I didn't want to pay fees just to get my credit score established.Though the store card had limited flexibility with where you could earn rewards, it helped me save money while I built my score and set me up for long-term credit success. I learned the value of being patient and not letting a high rewards rate blind me to unreasonable fees.
— Nouri Zarrugh, Senior Editor, Credit Cards
How the Credit One Bank Platinum X5 Visa compares to other credit-building cards
The Credit One Platinum X5 Visa is a notable credit-building tool that — unlike many credit-building cards — offers cash back on purchases. The card’s interest rate is in line with the standard interest rate on cards for fair credit, but the $95 annual fee is higher than similar cards’ fees and the lack of additional credit-building features is a sore spot. Here’s how the card stacks up to similar cards on the market.
Bankrate Score
See Rates & Fees, Terms Apply
on Credit One Bank's secure site
Annual fee
$95
Intro offer
N/A
Rewards rate
1% - 5%
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% cash back rewards on all other purchases, terms apply.
Recommended Credit Score
Fair to Good(580–740)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bankrate Score
See Rates & Fees, Terms Apply
on Capital One's secure site
Annual fee
$39
Intro offer
N/A
Rewards rate
1.5% - 5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn unlimited 1.5% cash back on every purchase, every day.
Recommended Credit Score
Fair to Good(580–740)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bankrate Score
See Rates & Fees, Terms Apply
on Credit One Bank's secure site
Annual fee
$0
Intro offer
N/A
Rewards rate
2%
2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Who is the Credit One Bank Platinum X5 Visa right for?
The Credit One Bank Platinum X5 isn’t the top pick on the market for credit building or rewards, but it can still suit a particular type of consumer.
Bankrate’s Take — Is the Credit One Platinum X5 Visa worth it?
The Credit One Bank Platinum X5 Visa credit card dangles an alluring cash back rewards rate on major expenses like groceries, gas and eligible digital services. But the annual fee and restrictive card terms could make it more trouble than it’s worth if you’re focused on building credit.
While this card’s rewards rate may look fantastic, you can easily find well-rounded credit cards that won’t nickel and dime you as you build your credit score and work towards qualifying for a full-fledged rewards card.
How we rated this card
50+
cards rated
500+
data points analyzed
250+
fees tracked
40
perks evaluated
Our proprietary card rating system takes into account a mix of factors when scoring credit cards for students and people building credit, including each card’s cost, APR, credit-building tools and more.
We analyzed over 50 of the most popular cards designed for students and people with no credit history, bad credit or a fair credit score and scored each based on where its key features stood in relation to others in its category.
Here are some of the key factors that gave this card its score:
Frequently asked questions
What cardholders think
Credit One Bank® Platinum X5 Visa®
3.9
39 ratings
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are unedited and have not been reviewed or approved by credit card issuers.
70% of customers recommend this card
Score breakdown
5 stars
44%
4 stars
26%
3 stars
18%
2 stars
5%
1 star
8%
Score by category
Overall3.9 / 5
Extra perks3.4 / 5
Privacy and security4.3 / 5
Customer service4.3 / 5
Online portal or mobile app4.1 / 5
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.
Community Reviews
Explore Credit One Bank® Platinum X5 Visa® reviews from certified cardholders.
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I get cash back on things I buy like travel groceries.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would because it is easy to use. Customer service has been great and never had a problem. Online is super easy to use. Very happy with the card
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, it is easy access
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I am able to buy things I need with this card. The apr is fair, the minimum amount due each month is also fair. The points earned by using the card are helpful as well.
Score by category
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I was accepted
Score by category
Extra perks3 / 5
Customer service5 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it helps for evertday of my neds
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to anyone, because it offers cash back on purchases.
Score by category
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The rewards of five times
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I need to build credit
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes very convenient
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I only use for shopping which I don't do every day
Score by category
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Airport benefits when traveling
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I prefer to let my benefits accrue so that if I need them at a later date I can use them
Score by category
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card is reliable and easy to use
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good card to have
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Because of its great customerservice.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I’d recommend this card to a friend because of the rewards and the way it helps build your credit score.
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I have not had any issues with this card and I get reward points, I would recommend this card.
Score by category
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Easy to use
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. It's benefits me to use it daily
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Annual fee
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yea I like the rewards
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is, I need to use it when I don’t have money
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was offerd to me with perks.
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It had a nice look to it and they sent me lots of offers
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
At the time it was the best card offer for me
Score by category
Online portal or mobile app4 / 5
Customer service2 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I've had a good experience because the cash back percentages I receive are extremely generous.
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I think it's a good credit card and I would recommend
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I love this card. It’s so easy to use.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it for gas daily! For work and vacation
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was literally the only one I could get at the time.
Score by category
Extra perks2 / 5
Customer service4 / 5
Privacy and security2 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card os good for cash back
Score by category
Extra perks3 / 5
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
because they are a good credit bank
Score by category
Extra perks3 / 5
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The features on the card
Score by category
Extra perks3 / 5
Online portal or mobile app5 / 5
Customer service2 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is not my major card, but I use it maybe once a month
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service2 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
know the company
Score by category
Extra perks2 / 5
Online portal or mobile app2 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I received an invitation in the mail and was pleased with what they were offering
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They have multiple cards targeted at different needs
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Rewards and Benefits: If the credit card offers high rewards on purchases my friend frequently makes or includes benefits like travel insurance, cash back, or points that suit their lifestyle, it could be a great financial tool for them. Interest Rates and Fees: If the card has competitive interest rates or low annual fees relative to the benefits it provides, it might be a cost-effective choice for my friend, especially if they pay off their balance in full each month. Credit Building: If my friend is looking to build or improve their credit score, a credit card that reports to the major credit bureaus and offers educational resources on credit building might be beneficial.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Score by category
Compare the best fair credit cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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