Credit One Bank Platinum X5 American Express® Card

Credit One Bank is an Experian Partner

Credit One Bank Platinum X5 American Express® Card logo.

Credit One Bank Platinum X5 American Express® Card

Rated 4.33 out of 5 stars, 1777 reviews

Terms Apply

Rates and fees

Recommended FICO® ScoreΘ

Fair - Exceptional

Annual Fee:

$95

Intro APR:

N/A*

Ongoing APR:

29.74% Variable

Ongoing Balance Transfer APR:

N/A*

  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply.
  • Get deals on shopping, dining, travel, and entertainment through Amex Offers
  • Retail Protection covers you if an eligible item is accidentally damaged or stolen, terms apply
  • $0 Fraud Liability ensures you won’t be responsible for unauthorized charges
  • Enjoy exclusive access to pre-sale tickets for some of the hottest nationwide concerts and events
  • Know you’re covered when the unexpected happens while traveling with Travel Accident Insurance, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • High cash back rate on eligible purchases

  • Access to Amex Offers

  • $0 fraud liability

  • Higher APR than similar cards

  • Charges an annual fee

See all Credit One Bank‘s offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

Learn about credit cards