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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.
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Credit One Bank

The Best Features

Benefits of the Credit One Bank American Express card: Cardholders have access to travel and shopping benefits such as car rental damage insurance, trip accident insurance, extended warranties protection and retail protection.

Reward: All cardholders receive 1% cashback on all purchases, without any limit.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Card fees: Credit One Bank American Express Card has a $39 per year fee, and either a $1 transaction fee or 3% for each international transaction. A $5 advance fee or 8% on each advance is also required. There may be additional fees such as a $39 fee for returned or late payments.

The card offers a high interest rate and no introductory APR. This card does not offer a zero introductory APR for purchases or balance transfers. The standard APR is 23.99% variable.

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.

Benefits

Credit One Bank American Express Card holders receive travel and consumer protection benefits including:

Insurance for car rental damage and loss
Access to entertainment
Protection under an extended warranty
Access to credit scores at no cost
Retail protection
Protection for returns
Travel accident insurance
No fraud coverage.

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.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Credit One Bank