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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

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in Personal Credit Cards from Credit One Bank®

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Highlights
Highlights
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $39

Credit One Bank American Express® Card Review

Credit One Bank American Express® Card 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. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1% cash back on everyday purchases.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.99%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Credit One Bank American Express® Card Pros and Cons:

The Good The Bad
  • Multiple credit card perks.
  • Free access to your credit score.
  • Earn rewards on every purchase.
  • Credit One Bank American Express® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • 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?

No, Credit One Bank American Express® Card does not offer a 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.

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 23.99%. It also has a variable cash advance APR of 23.99% .

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

No, Credit One Bank American Express® Card does not come with an introductory APR offer for balance transfers.

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

Credit One Bank American Express® Card does not offer an introductory rate on new purchases.
Credit One Bank American Express® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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

  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

No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $39
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Additional Card Fee Amount $19
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Cashback
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 23.99%

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SUPERMONEY NET RECOMMENDATION SCORE

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Purchase APR 17.99% - 23.99%
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Annual Fee $0 - $99     $0 $995
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Purchase APR 17.99% - 23.99%
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    0% 36% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 - $99     $0 $995
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Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Purchase APR 17.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 - $99     $0 $995
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Purchase APR 17.99% - 23.99%
(Variable APR)
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Balance Transfer APR N/A Balance Transfer APR
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