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  Credit One Bank American Express® Card

Credit One Bank American Express® Card

in Personal Credit Cards from Credit One Bank

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Credit One Bank American Express® Card

Unaffiliated

in Personal Credit Cards from Credit One Bank

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Highlights
Highlights
Annual Fee $39
Purchase APR  (Variable APR) 25.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Rewards Rates 1% on Every Purchase

Credit One Bank American Express® Card Review

Credit One Bank American Express® Card is a cashback credit card issued by Credit One Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether Credit One Bank American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Credit One Bank American Express® Card
The Good The Bad
  • Multiple credit card perks.
  • Free access to your credit score.
  • Purchase Protection.
  • Earn rewards on every purchase.
  • Credit One Bank American Express® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $39.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1%.
  • Is there a Credit One Bank American Express® Card cash back or rewards program?

    Credit One Bank American Express® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Credit One Bank American Express® Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

    Credit One Bank American Express® Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 1%
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Credit One Bank American Express® Card benefits?

    Credit One Bank American Express® Card provides the following benefits:

    • Free Credit Score
    • Zero fraud liability
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Credit One Bank American Express® Card?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Credit One Bank American Express® Card has higher than average purchase APRs.

    Credit One Bank American Express® Card has a variable purchase APR of 25.74%. It also has a variable cash advance APR of 25.74% .

    Does Credit One Bank American Express® Card have an introductory APR offer?

    Credit One Bank American Express® Card does not offer an introductory rate on new purchases.
    Credit One Bank American Express® Card Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Credit One Bank American Express® Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 25.74%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Credit One Bank American Express® Card fees?

    The following fees apply to Credit One Bank American Express® Card:

    Credit One Bank American Express® Card Fees
    Fees Amount
    Annual Fee $39
    Foreign Transaction Fee 3%
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

    Does Credit One Bank American Express® Card have a foreign transaction fee?

    Credit One Bank American Express® Card charges a foreign transaction fee of 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 a foreign transaction fee.

    Does Credit One Bank American Express® Card report your account activity to credit bureaus?

    Credit One Bank American Express® Card reports your account activity to the following credit reporting agencies:

    • 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 can help improve your credit score.

    How to apply for Credit One Bank American Express® Card

    • Visit the Credit One Bank American Express® Card website.
    • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   585 Pilot Rd.
      Las Vegas, NV 89119
    •   Visit Site

    About Credit One Bank American Express® Card

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Every Purchase (Points) Earn unlimited 1% cash back rewards on all purchases
    No Interest Grace Period for Late Payment 24
    Annual Fee $39
    Cash Advance Fee (%) 8%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $39
    Minimum Interest Charge $1
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Cashback
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Purchase Protection
    Fraud Liability  
    Free FICO Score  
    Rewards Rates
    • 1% on Every Purchase
    Cash Advance APR (Variable APR) 25.74%
    Purchase APR (Variable APR) 25.74%
    Balance Computation average daily balance (including new purchases)

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