{"id":22983,"date":"2025-11-18T03:39:23","date_gmt":"2025-11-18T03:39:23","guid":{"rendered":"https:\/\/finderica.com\/?p=22983"},"modified":"2025-11-18T03:39:23","modified_gmt":"2025-11-18T03:39:23","slug":"5-things-to-know-about-the-credit-one-american-express-card","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=22983","title":{"rendered":"5 Things to Know About the Credit One American Express Card"},"content":{"rendered":"
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The Credit One Bank Premier American Express Card earns a steady 1% cash back on all purchases. The annual fee is waived if you have excellent credit, but you can qualify with fair credit, too (though you\u2019ll pay an annual fee in that case). The card also comes with additional benefits thanks to being part of the American Express payment network. <\/span><\/p>\n<\/div>\n

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If you have excellent credit, you\u2019ll likely have your sights set on more rewarding cards. But cash-back card options are more limited if you have fair credit.<\/span><\/p>\n<\/div>\n

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Here are five things to know about the Credit One Bank Premier American Express Card.<\/span><\/p>\n<\/div>\n

1. The annual fee varies<\/span><\/h2>\n
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If you have excellent credit, the annual fee is $0. However, it\u2019s $39 if you have fair credit (a FICO score of 630-689). <\/span><\/p>\n<\/div>\n

2. It earns cash back<\/span><\/h2>\n
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The Credit One Bank Premier American Express Card offers no welcome bonus, but it earns an unlimited 1% cash back on everything. When it comes to redeeming rewards, your account defaults to manual redemption, meaning you have to log into your account and initiate a redemption for statement credits, gift cards or merchandise. <\/span><\/p>\n<\/div>\n

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You can also opt into automatic redemption, and whatever rewards you\u2019ve accumulated will be redeemed as a statement credit the first day of each month.<\/span><\/p>\n<\/div>\n

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Earning 1% cash back is certainly something, but other cards earn 2% or more and have sign-up bonuses. If you have good or excellent credit and want the simplicity of a flat cash-back rate on all purchases, products like the <\/span>Wells Fargo Active Cash\u00ae Card<\/span><\/a> or the <\/span>Citi Double Cash\u00ae Card<\/span> could fit the bill. <\/span><\/p>\n<\/div>\n

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