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Credit One Bank American Express® Card
Credit One Bank American Express® Card
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.
Rewards13Reviews11Q&AContactRewardsAPRWalletHub 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
28.24% (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
| cash advance fee | 8% (min $5) |
| cash advance APR | 28.24% (V) |
| foreign transaction fee | 3% (min $1) |
| smart chip | Yes |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 24 days |
Monitor your credit health and track your progress with free online access to your Experian credit score every month.
Stay in-the-know with transaction notifications, payment reminders, and fraud alerts delivered via text, push notification, or email.
Stay worry-free with Zero Fraud Liability, which protects you against any unauthorized charges.
Questions & Answers
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.
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What credit score do you need for the Credit One American Express card?
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Maria Adams
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...
ayuda para activar card
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Maria Adams
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....
What is the highest limit on the credit one American Express that they offer
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How much is the Credit One American Express minimum payment?
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John Miller
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...
How do I check my Credit One American Express card's application status?
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Maria Adams
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...
Does the Credit One American Express card do a hard pull?
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John Miller
Yes, the Credit One Bank American Express® Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry...
Is the Credit One American Express card a charge card?
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John Miller
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...
How long does it take to be approved for the Credit One American Express card?
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John Miller
You can get approved for the Credit One Bank American Express® Card immediately after applying if you're a clear match for the card's approval requirements. If you don't get approved right away, then it might take up to three weeks for the application to be processed. In that case, you...
Can I use my Credit One American Express card instantly after approval?
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John Miller
No, you cannot use your Credit One Bank American Express® Card instantly after approval. Credit One does not disclose the card's information and does not offer virtual card numbers prior to the card's arrival.
After approval, you'll have to wait about 7-10 business days to receive the card before...
Compare The Credit One Bank American Express® Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR28.24% (V)
Regular APR14.99% - 29.99%
Regular APR17.24% - 31.24% (V)
Rewards Rate1% Cash Back
Rewards Rate1 - 3% Cash Back
Rewards Rate1 - 1.5% Cash Back
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Credit One Bank American Express® Card Reviews
Share your insights and review the Credit One Bank American Express® Card
2.8
13 reviews
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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.
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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5 Star Rating
Verified CustomerEasy 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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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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5 Star Rating
Verified CustomerIts 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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3 Star Rating
Verified CustomerJust 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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5 Star Rating
Verified CustomerGreat 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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5 Star Rating
Verified CustomerI applied as an opportunity to increase my credit score. The rewards are a bonus and my budget has remained balanced since March of 2019. Thank you.
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1 Star Rating
As a Capital One and Navy Federal CU cardholder, I would NOT get this card. The whole system is flawed! They approved me, and opened an account with a $1000 credit limit, then sent me an actual card. THEN (understandable if beforehand) asked for things to prove my identity, income, and address. I submitted my California ID (which has my current address), social security card, Department of Veterans Affairs Benefits letter (also has my address), Passport, and Social Security Card. HOWEVER said that they cannot take the "hold" off, so that I can actually USE it, unless I submitted a utility bill. Problem: I don't have to pay utilities where I live. Their unfathomable solution: Get whomever is responsible for the utilities, or owns the building to submit a letter that states that I live there, along with THEIR copy of of a utility bill, and a copy of THEIR identification. INSANE!
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1 Star Rating
Verified CustomerPoor customer service and technical support. I would choose another card company if at all possible because their service is terrible.
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1 Star Rating
Verified CustomerThe customer service is horrible and they don't allow for credit line increases in the first 12 months even when balance is paid in full. I CLOSED MY ACCOUNT
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+ 3 users submitted a rating without writing a full review
Review Credit One Bank American Express® Card
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Offer last updated: Jan 30th, 2023 at 15:51 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
14.99% - 29.99%
ANNUAL FEE
$0
REWARDS RATE
1 - 3% Cash Back
BONUS OFFER
None
MINIMUM CREDIT