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  Credit One Bank American Express® Card
Credit One Bank American Express® Card Unaffiliated

Credit One Bank American Express® Card

Unaffiliated
SuperMoney Net Recommendation Score +67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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.

Strongly recommended

5 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 25.49%
(Verified 09/07/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $39
Number of Reviews 6

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.

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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • 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 odds if your credit score is above 650.

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 $39
  • 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. This card has higher than average regular APRs.

Credit One Bank American Express® Card has a variable purchase APR of 25.49%. 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.

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 $39
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.

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 Credit One American Express card login page?

You can access the Credit One American Express card login page 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 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.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 8%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $39
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $39
Additional Card Fee Amount $0
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Fraud Liability
  • Free Credit Score
Bonus Offer 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.
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 25.49%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 25.49%
(Verified 09/07/2022)
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 +67, equating to 4.3 on a 5 point rating scale.

+67

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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