Credit One American Express Card
- Annual fee
- $39
- Recommended credit
- Excellent / Good / Fair
- Card network
- American Express
- Regular purchase APR
- 28.99% variable based on the Prime Rate
At a glance
The Credit One Bank American Express Card is a cash back rewards card that makes sense for a select audience. The card earns 1% back on all purchases, with no cap on the amount of cash back earnable. The card also features Amex travel and shopping benefits and protections, for an annual fee of $39.
Our review of the Credit One American Express Card
The Credit One Bank American Express Credit Card is a solid cash back option with the added benefit of Amex perks. Earn 1% Cash Back on All Purchases without any limitations or categories. Every purchase with the card earns 1% back, with no cap on rewards.
One standout feature of the Credit One American Express Card is access to Amex benefits such as Amex Offers, which provides discounts and deals from a variety of merchants. Cardholders can enjoy discounts on dining, retail, and more.
Unlike other Credit One cards, the American Express Card has a flat annual fee of $39, making it a cost-effective choice for those with good credit or those looking to rebuild their credit. This fee is lower than other Credit One cards, which may have annual fees as high as $99.
Overall, the Credit One Bank American Express Card is a solid choice for those rebuilding their credit or looking for a straightforward cash back option. However, those with excellent credit may find better rewards with other cards. Consider your credit situation and spending habits before applying for this card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited 1% cash back on all purchases
- Complimentary access to your Experian credit score
- Zero Fraud Liability protectio
Who this card may suit
- You're rebuilding your credit and want the premium perks that come with an Amex card
- You're looking for a credit card with a modest annual fee
- You want the security of retail protection when shopping
- You want to earn flat-rate cash back with all purchases
Rates, fees and terms
| Annual Fee | $39 |
|---|---|
| Regular Purchase APR | 28.99% variable based on the Prime Rate |
| Cash Advance APR | 28.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 8% of the amount of each Cash Advance, whichever is greater |
| Foreign Transaction Fee | Either $1 or 3% of each purchase in U.S. dollars, whichever is greater |
| Late Payment Penalty Fee | Up to $39 (see terms) |
| Return Payment Penalty Fee | Up to $39 (see terms) |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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Credit One American Express Card
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