Credit One Bank® Platinum X5 Visa Signature® Card: annual fee, APR and rewards

Fact sheet for the Credit One Bank® Platinum X5 Visa Signature® Card, issued by Credit One, with a $95 annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Credit One
Network	Visa
Annual fee	$95 a year
Fee waiver	$95 Annual Fee (agreement versions D527/D526/D497)
Rewards	Cashback: 5% cash back rewards for the first $5,000 in Net Eligible Purchases per calendar year on gasoline, grocery, mobile phone service, and internet, cable and satellite TV, and then 1% thereafter; 1% cash back rewards on all other purchases.
Purchase APR	29.74% Variable Purchase APR (WSJ Prime + 22.99%) - Credit One card agreement version D527, dated 2026.06.30; not verified on the live card page
Balance transfer fee	Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Foreign transaction fee	None
Credit level	Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 29.99%, with a range of 28.74% to 30.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.