Last Updated: 07/28/2025
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Purchase APR (Variable APR)
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Credit One Bank® Platinum X5 Visa Review
Key Takeaways
- Get big rewards on purchases you make every day! Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, then 1% thereafter.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Credit One Platinum card
| The Good | The Bad |
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Credit One Platinum card FAQ
Does Credit One Platinum card have a cash back or rewards program?
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit One Platinum card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does Credit One Platinum card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Credit One Bank® Platinum X5 Visa does not offer balance transfers.Does Credit One Platinum card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Credit One Platinum card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Credit One Platinum card have a foreign transaction fee?
Credit One Platinum card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Credit One Platinum card?
What is the support contact email for Credit One Platinum card?
How do people rate the customer service and user experience of Credit One Platinum card?
Does Credit One Bank® Platinum X5 Visa report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Credit One Bank® perform a hard credit pull?
How to apply for Credit One Platinum card
- Visit the website of Credit One Platinum card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-50
Credit One Bank® Platinum X5 Visa Community Reviews
Would you recommend Credit One Bank® Platinum X5 Visa to your friends?
Justine W.
Oct 23, 2023
May or may not recommend
Fred H.
Sep 22, 2022
May or may not recommend
Showing 2 of 2 reviews
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