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Build Credit history with on-time payments¹

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Round up everyday purchases and save effortlessly

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Rebuild your credit history with rent payments

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credit-one-bank

Credit One Bank American Express® Card

Credit needed
Fair, Good
APR
23.99%
Annual Fee
$39

Card Summary

Credit One Bank American Express Card offers a flat rate cash back credit card with 1% cashback on all purchases. There are no limits on the rewards.

There is a $39 annual charge and a variable APR of 23.99%.

Cardholders have many benefits such as free credit access and return protection, car rental damage and insurance and travel insurance.

Card Summary - Cons

Rates and fees

Issuer Name
Credit One Bank
Penalty APR
N/A
Credit Needed
Fair, Good
Balance Transfer Fee
N/A
Annual Fee
$39
Cash Advance Fee
$5/8% or greater
APR
23.99%
Foreign Transaction Fee
You can choose to pay 3% of the total amount or $1.00, depending on which is higher.

Highlights

All purchases qualify for unlimited cashback rewards of 1%. Terms apply.

You won't have to pay any fraud-related charges if you are $0 in fraud liability. You can get Retail Protection if eligible items are accidentally damaged or stolen. Terms apply.

Amex Offers offers discounts on dining, shopping, travel and entertainment. Get exclusive pre-sale access for tickets to some of the most popular national concerts and events.

Travel Accident Insurance will ensure that you are covered for any unexpected circumstances while on vacation.

Comparative Analysis with Other Cards

Chase Freedom Unlimited vs. Credit One Bank American Express Card

Annual fee: Credit One Bank American Express card users have to pay $39 annually. Chase Freedom Unlimited does not charge an annual fee.

Reward: The Credit One Bank American Express card will give you 1% cashback on all purchases. There is no cap on the number of rewards. Chase Freedom Unlimited receives 5% cashback on purchases made through Chase Ultimate Rewards. You also get 3% cashback on purchases at restaurants and pharmacies, and 1.5% back on all purchases.

Sign-up bonus: No sign up bonus for Credit One Bank American Express Card, Chase Freedom Unlimited card holders will receive a $200 bonus if they spend $500 within the first three months of account opening.

Benefits: Credit One Bank American Express Card Benefits: Enjoy a variety of benefits, including car rental loss and damages insurance, travel insurance and return protection. Chase Freedom Unlimited card holders have access to purchase protection, zero liability protection and extended warranty coverage.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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