Last Updated: 07/28/2025
Credit One Bank American Express® Card
Unaffiliated
in Credit Cards from Credit One Bank®
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$39
Number of Reviews
Credit One Bank American Express® Card Review
This is a cashback credit card issued by Credit One Bank®. If you're wondering whether Credit One Bank American Express® Card is the right card for you, read on.
Key Takeaways
- Earn unlimited 1% cash back rewards on all purchases—no categories to choose or points to redeem—and earned rewards are credited to your account automatically.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Credit One American Express card
| The Good | The Bad |
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Credit One American Express card FAQ
Does Credit One American Express card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Credit One American Express card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Credit One Bank American Express® Card has a variable purchase APR of 25.49%. Credit One Bank American Express® Card does not offer balance transfers. It also has a variable cash advance APR of 25.49% .
Does Credit One American Express card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Credit One Bank American Express® Card does not offer balance transfers.Does Credit One American Express card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Credit One American Express card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does Credit One American Express card have a foreign transaction fee?
Credit One American Express card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Credit One American Express card?
The customer service number for Credit One American Express card is (877) 825-3242.
What is the support contact email for Credit One American Express card?
The support contact email for Credit One American Express card is customerservice@creditonebank.com.
What is the login page for Credit One American Express card?
You can access the login page of Credit One American Express card here.
How do people rate the customer service and user experience of Credit One American Express card?
Overall, Credit One American Express card is strongly recommended based on community reviews that rate customer service and user experience.
Does Credit One Bank American Express® Card report your account activity to credit bureaus?
Yes, Credit One Bank American Express® Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Credit One Bank® perform a hard credit pull?
Yes, Credit One American Express card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Credit One American Express card
- Visit the website of Credit One American Express card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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