Credit One Bank American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
25.74% (Variable)
Balance Transfer
-
Rewards
1% cashback (1% cash back rewards)
Signup Bonus
-


4.8/10
Informr score
The Credit One Bank American Express® Card currently has an Informr score of 4.8 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Credit One Bank American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Balance

The Credit One Bank American Express Card is a simple cash-back card with a slight twist. Value-wise, the rewards rate is low, and there’s an annual fee and high APR. But, as the first Credit One Bank card on the American Express network, it gives those who may have imperfect credit a taste of the A...

- Dawn Papandrea, The Balance

Details


Interest Rates
Regular APR Interest Rate 25.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $39.00
Balance Transfer Fee
Cash Advance Fee 8%

Minimum of $5

Foreign Transaction Fee 3%

Minimum of $1

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes

$19 annually

Travel Accident Insurance Yes
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Additional Benefits

Free online access to your Experian credit score

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Balance

Decent credit limit and a few extras

from The Balance

The Credit One Bank American Express Card is a simple cash-back card with a slight twist. Value-wise, the rewards rate is low, and there’s an annual fee and high APR. But, as the first Credit One Bank card on the American Express network, it gives those who may have imperfect credit a taste of the Amex VIP treatment.

Read full review

The Credit One Bank American Express Card is a simple cash-back card with a slight twist. Value-wise, the rewards rate is low, and there’s an annual fee and high APR. But, as the first Credit One Bank card on the American Express network, it gives those who may have imperfect credit a taste of the Amex VIP treatment.

Read full review

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User Reviews


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