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  Credit One Bank® Platinum X5 Visa
Credit One Bank® Platinum X5 Visa Unaffiliated

Credit One Bank® Platinum X5 Visa

Unaffiliated
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 25.49%
(Verified 09/07/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $95

Credit One Bank® Platinum X5 Visa Review

This is a cashback card issued by Credit One Bank®. If you're wondering whether Credit One Platinum card is the right card for you, read on.

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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Credit One Platinum card

The Good The Bad
  • Free access to your credit score.
  • Credit One Bank® Platinum X5 Visa reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $95
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.

Credit One Platinum card FAQ

Does Credit One Platinum card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Credit One Platinum card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Credit One Bank® Platinum X5 Visa has a variable purchase APR of 25.49%. It also has a variable cash advance APR of 25.49% .

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.

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?

The following fees apply:

Credit One Platinum card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One Platinum card have a foreign transaction fee?

Credit One Platinum card charges a foreign transaction fee of 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?

The Credit One Platinum card customer service number is (877) 825-3242.

What is the support contact email for Credit One Platinum card?

The support contact email for Credit One Platinum card is customerservice@creditonebank.com.

What is the Credit One Platinum card login page?

You can access the Credit One Platinum card login page here.

How do people rate the customer service and user experience of Credit One Platinum card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Credit One Bank® Platinum X5 Visa report your account activity to credit bureaus?

Yes, Credit One Bank® Platinum X5 Visa reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Credit One Platinum card

  • Visit the Credit One Platinum card website.
  • 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Contact

About Credit One Bank® Platinum X5 Visa

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $95
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Bonus Offer 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.
Rewards Categories
  • 5% Cash Back on Internet / Cable / Phone Services
  • 5% Cash Back on Gas
  • 5% Cash Back on Groceries
Cash Advance APR (Variable APR) 25.49%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 25.49%
(Verified 09/07/2022)
Card Type
  • Cashback
Card Network Visa

Credit One Bank® Platinum X5 Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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