Credit One Bank American Express® Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Credit One Bank American Express® Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about Credit One Bank American Express® Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR18Reviews14Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Good Credit, Fair Credit
Annual Fee
$39
Rewards
Earn unlimited 1% cash back rewards on all purchases—no categories to choose or points to redeem.
Earned rewards are credited to your account automatically. Terms apply.
APR on Purchases
28.74% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
Credit One Bank American Express® Card Pros & Cons
Qualify with fair credit
Membership fees
High regular APR
Foreign fee
Credit One Bank American Express® Card's Additional Info
Can't find what you are looking for? Submit your question about Credit One Bank American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The starting credit limit for the Credit One Bank American Express® Card is $300 or more. More specifically, everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. The higher your credit score and income are, the higher your starting credit limit is likely to be.
What to know about the Credit One Bank American Express® Card credit limit:
You can ask to get a credit limit increase by calling the Credit One customer service number you see on the back of your card. However, it's best not to do that more than once a year.
Credit One will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Credit One.
You can check your Credit One Bank American Express® Card's application status either online or over the phone by calling (877) 825-3242. For both methods, you'll need to provide your Social Security Number so that Credit One can match you to your application. It should only take a few minutes to find out whether your application is...
The credit score you need for the Credit One Bank American Express® Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact...
To activate your Credit One Bank American Express® Card, call (877) 825-3242 or go to the Credit One activation webpage. Your new Credit One Bank American Express® Card will be ready to make purchases in just a few minutes no matter which method you use to activate it. You can activate your card within 14 days after you...
No, the Credit One Bank American Express® Card is not a charge card, it is a regular credit card. The main difference between a charge card and a traditional credit card is that charge cards don't allow you to carry a balance between months.
Both types of cards allow you to buy now and pay later....
You can get a Credit One Bank American Express® Card cash advance by using your card and PIN at any ATM that accepts American Express. Call customer service at (877) 825-3242 to request a PIN if you don't already have one.
Alternatively, you can get a cash advance at any bank or credit union that offers advances...
The Credit One Bank American Express® Card minimum payment is $30 or 5% of the statement balance, plus past due amounts – whichever is higher. If the statement balance is less than $30, then the minimum payment will be equal to the balance. In addition, if you recently missed a payment, Credit One may add a...
Share your insights and review the Credit One Bank American Express® Card
5
39%
4
0%
3
11%
2
0%
1
50%
2.7
18 reviews
18 reviews
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dmdodson24 @dmdodson24
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1 Star Rating
I pay it every month but somehow, I'm always spending more then I actually do. If I make a $25 purchase, it's actually a $30 purchase. I haven't spent on my credit card in a long time because some how, I always over my limit. DO NOT get this card.
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Hannah L Gore @a1pha_1031_om3ga
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5 Star Rating
Verified Customer
Excellent card to rebuild credit also provide you with a fairly high credit limit to those who have elapsed in a credit history fr
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mariahbrooke16 @mariahbrooke16
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1 Star Rating
Verified Customer
This card gets wrongfully declined whenever I try to use it. My payments are made, I have more than enough available credit, but I still am not able to use my card. I have had many credit cards, but this is by far the worst experience I have had with any card. I will be closing my account with them.
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Armine Sinanian @armine_sinanian
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1 Star Rating
SCAMMERS!!!!!!!! DO NOT GET THIS CARD THEY ACCEPT YOUR PAYMENT AND PUT A HOLD ON IT AND ASK FOR YOUR BANK VERIFICATION AFTER THEY GET THE EMAIL THEY SAY ITS AN OLD STATEMENT!!!!!!!
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Jackthepumpkinking6sic6 @Jackthepumpkinking6sic6
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1 Star Rating
Got this thinking it was gonna help and now its hurting my credit. Closed on me after only a few months. Now its more like a negative mark on inquiries and time of accounts open. I had a payment return and when I called to ask why they said my card was closed. They transfered me to try and reactivate my account and said my account was not eligible. Supposedly a returned payment happened once or twice before. However I never had that problem with any other payment for any other company. One rep even tried to tell me it's because I must not have had enough money and that I just don't understand how it works.......
It was because I didn't pay the fee to use their express payment. Now that my account is dead they allow me to make the express payments for free. The only benefit now so my payments go through and I'm not being sent to collection. But the account was only open a couple months so it is worse on my credit history now.
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Michael @conesfambills
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5 Star Rating
Verified Customer
Easy approval. After two months they increased credit limit automatically. Not sure if I like them doing that without asking but they did it anyway.
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Rosie Rosie @rosierosie
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1 Star Rating
Credit one is a complete joke I got approved for $500 I have never been late and always made over the minimum payments however they reported that I was late and my credit has never gone up at all loans in my personal experience are way better I got approved for loan and my credit has gone up already credit one is by far the worst don’t get it they will not report good habits to you’re credit
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Stephanie @stephaniepereyra93
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5 Star Rating
Verified Customer
Its a great card for people trying to increase their credit. They raised my limit within 3 months of good use almost immediately so I was happy about that. Literally within a year when my annual fee was about to come up they changed my card agreement terms to $0 annual fee and I am soo proud and happy that finally someone actually sees how responsible I actually am. Good behaviors and a raised credit score actually does change something. Right on!
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Michelle K Gardner @michellekimgardner
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3 Star Rating
Verified Customer
Just fine. Doesn't seem any better or worse than any other credit card. I did like how they gave me a cushy credit limit. It's definitely been helpful.
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Paul @dpaulmoss
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5 Star Rating
Verified Customer
Great card to have and a great way to build credit. Thank you for allowing me the privilege of being apart of the Credit One Bank family.
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