Credit One Bank® Platinum X5 Visa Signature
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Credit One Bank® Platinum X5 Visa Signature from Credit One earns up to 5% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Grocery
- Effective value
- 5%
- Annual fee
- $95
Best for grocery-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 5% back.
What does the Credit One Bank Platinum X5 Visa Signature earn in each category?
Grocery is the strongest category at 5% effective value (5% back). That grocery rate ranks higher than about 100% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Platinum X5 Visa Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 5x.
Grocery is the strongest category at 5% effective value (5% back). That grocery rate ranks higher than about 100% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Platinum X5 Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 5% back | 5% Top category |
| Gas Gas stations and fuel | 5% back | 5% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Credit One Bank Platinum X5 Visa Signature reward caps and conditions?
The Credit One Bank Platinum X5 Visa Signature has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 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 Capped at $5000 per year.
Who should get the Credit One Bank Platinum X5 Visa Signature?
The Credit One Bank Platinum X5 Visa Signature fits spenders who put meaningful volume in grocery and can earn 5% back. Best for spenders who put meaningful volume in grocery and can earn 5% back.
Credit One Bank Platinum X5 Visa Signature fits spenders who put meaningful volume in grocery and can earn 5% back. Madeen ranks its grocery effective rate higher than about 100% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 5% back.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 5% effective (5% back).
- That grocery rate ranks higher than about 100% of cards we track in the category.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
Does the Credit One Bank Platinum X5 Visa Signature have an annual fee?
The Credit One Bank Platinum X5 Visa Signature has an annual fee of $95 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- $3
What benefits come with the Credit One Bank Platinum X5 Visa Signature?
The Credit One Bank Platinum X5 Visa Signature includes Booking.com, Dovly Uplift™, FICO Credit Score in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
FICO Credit Score
$25/yrFree Online Access to credit score
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Related encyclopedia topics
- Cash Back
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the Credit One Bank Platinum X5 Visa Signature
Where do cardholders spend most with the Credit One Bank Platinum X5 Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (5x), internet and cable (5x), telephone (5x) for the Credit One Bank Platinum X5 Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Credit One Bank Platinum X5 Visa Signature have an annual fee?
The Credit One Bank Platinum X5 Visa Signature carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Credit One Bank Platinum X5 Visa Signature?
Grocery is the strongest Madeen category for the Credit One Bank Platinum X5 Visa Signature at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Credit One Bank Platinum X5 Visa Signature charge foreign transaction fees?
The Credit One Bank Platinum X5 Visa Signature charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the Credit One Bank Platinum X5 Visa Signature annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Credit One Bank Platinum X5 Visa Signature?
Madeen's catalog lists a typical credit range of Fair for the Credit One Bank Platinum X5 Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Credit One Bank Platinum X5 Visa Signature compare to similar cards?
Compare the Credit One Bank Platinum X5 Visa Signature against Credit One Bank Platinum Rewards Visa with No Annual Fee (2% on Grocery, $0 fee); Credit One Bank Platinum Visa (1% on Grocery, $39 fee); Credit One Bank Platinum Visa For Rebuilding Credit (1% on Grocery, $99 fee). Madeen ranks effective value by category and annual fee using the same.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Credit One Bank Platinum
X5 Visa Signature This card | Grocery | 5% | $95 |
| Grocery | 2% | $0 | |
Credit One | Grocery | 1% | $39 |
| Grocery | 1% | $99 | |
Credit One | Grocery | 1% | $39 |
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Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure