Credit One Bank American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
23.99% (Variable)
Balance Transfer
-
Rewards
1% cashback (1% cash back rewards)
Signup Bonus
-


5.5/10
Informr score
The Credit One Bank American Express® Card currently has an Informr score of 5.5 out of 10. This score is based on our evaluation of 3 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...


CreditCards.com

Despite its low cash back earning rate, the Credit One Bank American Express Credit Card is a solid low-cost credit building option with relatively low fees and impressive cardholder perks.

- Nouri Zarrugh, CreditCards.com
Investopedia

Those with less-than-perfect credit are often stuck with barebones credit cards. The Credit One Bank American Express card offers both rewards and American Express benefits to people with average credit. It does have an annual fee, but cardholders earn 1% cash back on all purchases and enjoy benefit...

- Kat Tretina, Investopedia
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 23.99% (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 23.99% (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
Virtual Cards No
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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