USES

American Express® from Credit One® Bank Review

American Express® from Credit One® Bank — all information about the credit card.

Updated June 07, 2024
Advertiser Disclosure Our Methodology
Credit One Bank American Express®
Apply now
Our Rating:
1.45 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $39 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.74% Variable
  • Balance Transfer APR:
    None
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
$0
Annual Fee
17.99% - 27.99%
Regular APR
10%
You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
Apply now
On Celtic Bank‘s site
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

Credit One® Bank American Express® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1%
All purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 1% On all purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.74% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 29.74% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 24 days after the close of each billing cycle. You will not be charged any interest on Purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $39 annually
  • Fees for Cash Advances
    • Either $5 or 8% of the amount of each Cash Advance, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • Unlimited 1% Cash Back on all purchases
Cons:
  • Balance transfers are not available
  • No Intro APR period
  • Foreign Transaction Fee
  • High APR

Features

Classic
American Express
  • Fraud Protection
  • Rewards
  • Free Credit Score
  • Purchase Protection
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Credit One® Bank
Credit One® Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Low income
First Access Visa® The Bank of Missouri
First Access Visa® Card
4.2 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website
Unsecured
Milestone® Mastercard®
Milestone® Mastercard®
3.5 out of 5
Recommended credit score
score
Poor to Good (300-739)
  • $175
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Milestone Mastercard® website

See Another Credit Cards in the Bank

Credit One® Bank American Express® is an option for those, who need Classic features. With an APR of 29.74% and $39 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Credit One® Bank American Express® you will get such features as Fraud Protection, Rewards, Free Credit Score, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
3.5 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site