Credit One Bank® Platinum X5 Visa®
vs. Credit One Bank® Platinum Visa®

Both the Credit One Bank® Platinum X5 Visa® and the Credit One Bank® Platinum Visa® offer enticing cash back rewards and valuable fraud protection. However, the Credit One Platinum X5 is the superior choice due to its higher cash back rate of 5% on eligible purchases, up to $5,000 annually. Despite its higher annual fee, the potential cash back earnings can offset this cost for those who frequently spend in the card's bonus categories.

Despite having a lower cash back rate, the Credit One Platinum has a lower annual fee, making it a solid choice for those who prefer to save on yearly costs.

You might prefer the Credit One Platinum X5 if you're a heavy spender in categories like gas, groceries and utilities. With 5% cash back on up to $5,000 of eligible purchases per year and 1% thereafter, this card maximizes rewards for those who can offset the $95 annual fee through their spending habits.

You might prefer the Credit One Platinum if you're looking for a straightforward credit card with a lower annual fee. It offers 1% cash back on everyday purchases such as gas and groceries. This card is a solid choice for those who want to earn rewards without a high upfront cost.

Evaluating APRs, fees, credit requirements, rewards and other features will help determine which card aligns with your financial needs. Discern the cards' subtle yet impactful differences, like the Credit One Platinum's lower annual fee vs. the Credit One Platinum X5's higher cash back potential.

The Credit One Platinum X5 stands out with its 5% cash back on the first $5,000 in eligible purchases in key categories each year, then 1% thereafter. The categories included are gas, groceries and utility services, which are common expenses for many consumers.

On the other hand, the Credit One Platinum offers a flat 1% cash back on similar categories but without the initial 5% rate. The bonus categories for this card include mobile phone, internet, cable and satellite TV services, which can add up over time.

While both cards offer cash back on everyday purchases, the Credit One Platinum X5's higher cash back rate on essential categories makes it the better option for rewards, despite its higher annual fee of $95 compared to the Credit One Platinum's $39 fee. Below is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

Both the Credit One Platinum X5 and the Credit One Platinum offer a straightforward redemption process, allowing you to redeem rewards as statement credit. Neither card's cash back rewards expire, providing flexibility for when you choose to use them.

MoneyGeek evaluates credit cards like Credit One Platinum X5 and Credit One Platinum for various use cases, including cash back, in which both cards score the highest.

The evaluation process considers factors such as reward rates and offer returns. The most significant factors in the cash back category are the value of rewards and the benefits of introductory offers. For a detailed understanding of our scoring system, you can review our ranking methodology.