Cash back · Visa · $95 annual fee
Last verified 2026-09-09. Review issuer source
Credit One Bank Platinum X5 Visa Signature is a $95-a-year cash back card from Credit One. Its best everyday rates are 5% on gas stations, 5% on grocery stores, and 5% on telecom; everything else earns 1%. Gas stations is capped at $5,000 a year, then drops to the base rate.
On our reference budget of $24,600 a year it earns $542, which clears the $95 fee with $447 to spare before any credits or perks.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Cap: $5,000 per annual
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
Cap: $5,000 per annual
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
Cap: $5,000 per annual
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
No welcome bonus is stored for this catalog entry yet.
Free Online Access to credit score
These come from Visa, not from Credit One. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Credit One Bank® Platinum X5 Visa SignatureThis card · 5% on gas stations | $95 | $542 | +$447 | 441st of 1,291 |
| Credit One Bank Wander® American Express®Credit One's most-held other card · 5% on dining | $95 | $510 | +$415 | 451st of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
