Our illustration in the card’s colours, not its design
Credit One credit card
Credit One Bank Platinum X5 Visa Signature® Card
- APR down · 29.74% to 28.74% · Oct 4, 2026
$95 a year. Purchase APR 28.74–30.49%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · creditonebank.com
“Annual Fee † : $95”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Average-Excellent Credit
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $215 | $215 | |
| Typical spender | $405 | $405 | |
| Heavy spender | $765 | $765 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$215a year
The same in the first year and after.
Rewards and credits$310
You keep $215−$95 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$405a year
The same in the first year and after.
Rewards and credits$500
You keep $405−$95 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$765a year
The same in the first year and after.
Rewards and credits$860
You keep $765−$95 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
Other cash back cards with fees up to $100
- Blue Cash PreferredAmerican Express · $95 a year+$150 a year
- Credit One Bank WanderCredit One · $95 a year+$110 a year
- SavorOne RewardsCapital One · $39 a year+$70 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5%
- 5% cash back rewards on the first $5,000 of eligible purchases on gas each year, then 1% thereafter5% cash back rewards on the first $5,000 of eligible purchases on grocery each year, then 1% thereafter5% cash back rewards on the first $5,000 of eligible purchases on internet, cable, satellite TV and mobile phone services each year, then 1% thereafter
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Contactless Payment: EMV chip technology guards against counterfeiting.
- Zero Fraud Liability protects against unauthorized charges if the card is lost or stolen.
- Easy-to-Use Mobile App with Apple Pay, Samsung Pay, and Google Pay support.
- Customizable Notifications for payment due dates, posted payments, and posted activity.
- Ability to choose a new payment due date.
All 6 benefits
- Access to a free online credit score and credit report, including factors contributing to the score.
Changes
- Oct 4, 2026 APR 29.74% to 28.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · creditonebank.com “Annual Fee † : $95” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Average-Excellent Credit (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $95 · creditonebank.com, since Oct 4, 2026
- What is the purchase APR?
- 28.74–30.49% APR · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What credit do you need?
- Average-Excellent Credit · creditonebank.com, since Sep 29, 2026