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.
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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Credit One Bank®
Other Credit Cards from Credit One Bank®
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
500 - 720
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$95
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 650
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
Up to 25.49%
Balance Transfer APR
N/A
Credit Score Range
520 - 850
300
850
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
25.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
Credit One Bank American Express® Card Community Reviews
Would you recommend Credit One Bank American Express® Card to your friends?
YS
Yosef S.
Nov 2, 2023
May or may not recommend
My first credit card. I 100% recommend this card for anyone trying to build their credit score.
RF
Robelys F.
May 28, 2022
May or may not recommend
Their APR Value I have always sed that capital one is the most confident bank
KF
Komal F.
Apr 8, 2022
May or may not recommend
When I applied for this card, I was a bit worried about the high APR value. Nevertheless, it proved me wrong and all of my expenses were stable by using this card. With fraud protection and a free credit score, you will be spending your money hassle-free. I would recommend it to anyone interested in a reliable source of banking.
EY
Ernest Y.
Feb 26, 2022
May or may not recommend
I accepted the offer for this card. It stated that the annual fee would be $39.00. I was charged $95.00.
LD
Layla D.
Jan 18, 2021
May or may not recommend
I would definitely recommend. I have never had an issue with bank of America that wasn't resolved quickly. The card is very strong and with mobile banking it is very convenient to use. When I applied I was approved straight away and was not given a hard time.
ST
Shanekia T.
Nov 9, 2020
May or may not recommend
My husband and I have a Credit One American Express and I really have nothing bad to say about the card. We tend to keep our credit limits low, as we do not want to fall into the debt trap. We have been in that trap before, and it is not a good place to be. We have a limit of $600 and it is something we ...Show More
AM
Anthony M.
Aug 15, 2020
May or may not recommend
If you really badly want to have an American Express, here's your chance. Of the four major card issuers, American Express has been notoriously the strictest. Even with poor credit, it's possible to get a Mastercard or Visa, and even Discover. Although AMEX is nowhere near this accepting, those applicants with fair credit, or whose credit is a work in progress, through their partnership with Credit One ...Show More
Showing 7 of 7 reviews
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