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  Credit One Bank American Express® Card

Credit One Bank American Express® Card

in Personal Credit Cards from Credit One Bank®

Unaffiliated

Credit One Bank American Express® Card

Unaffiliated

in Personal Credit Cards from Credit One Bank®

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 17.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $99

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 American Express card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 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 identity theft protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Credit One American Express card
The Good The Bad
  • Multiple credit card perks.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Credit One Bank American Express® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.
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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Credit One American Express card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR that ranges from 17.99% up to 23.99%. It also has a variable cash advance APR that ranges from 17.99% up to 23.99%.

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.

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?

The following fees apply:

Credit One American Express card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Credit One American Express card have a foreign transaction fee?

Credit One 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 foreign transaction fees.

What is the customer service phone number for Credit One American Express card?

The Credit One American Express card customer service number is (877) 825-3242.

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 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 may help improve your credit.

How to apply for Credit One American Express card

  • Visit the Credit One 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 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.

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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 $99
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 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Cash Advance APR (Variable APR) 17.99% - 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 17.99% - 23.99%
Card Type
  • Cashback
Card Network American Express

Credit One Bank American Express® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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