![]() Other features like the $500 starting credit limit make it a bit easier for cardholders to boost their credit scores by keeping their credit utilization ratios under 30% (or only using $150 of available credit at the end of a billing cycle). ![]() Its costs are low – the annual fee is only $39 – certainly lower than other Credit One cards. Why you might want the Credit One Bank American Express CardĪs a credit-building tool, the Credit One Bank American Express Card is a solid choice. Other Notable Features: Free credit score, pick your payment due date, zero fraud liability, access to pre-sale tickets, car rental loss and damage insurance, travel accident insurance, purchase protection, return protection, extended warranty, Amex Offers.Īs a general cash back credit card, the Credit One Bank American Express Card falls short, offering a rock-bottom cash back rate and carrying an annual fee that’s hard to justify for cardholders with excellent credit.īut if you’re hoping to build your credit without putting down a deposit or paying exorbitant fees, it could be a solid option thanks to its no-fuss rewards earning and redemption structure and impressive cardholder perks. The card’s rates – like the 26.24% variable APR – are beaten by several competing cards.Cardholders’ cash back rewards can only be redeemed for statement credits, so there’s not a lot of flexibility.The cash back rate is low, so low that it likely can’t help cardholders offset the cost of their annual fee. ![]()
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