Credit card

Credit One Bank® Premier American Express® Card

Cash back

AMEX

Apply for Credit One Bank® Premier American Express® Card

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Credit card Credit One Bank American Express

Card review

Credit One Bank® Premier American Express® Card

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Simple unlimited cash back for fair credit on American Express

Fee: $39 USD/yr
Purchase APR: from 29.74%
Interest-free: -
Foreign fee: 3%

Rewards

Unlimited 1% cash back on all purchases, automatically applied as a statement credit.

Our verdict

What stands out, and where it falls short.

What we like

Unlimited 1% cash back on all purchases, automatically applied…
Travel insurance included

Worth weighing

$39 USD/yr card fee
3% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the Credit One Bank® Premier American Express® Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $39 USD/yr fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $39 USD/yr
Purchase APR: from 29.74%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 29.74% Variable
Annual Fee: $39
Foreign Transaction Fee: $1 or 3% of each purchase, whichever is greater
Cash Advance Fee: $5 or 8% of the advance, whichever is greater

Rewards and features

Rewards: Unlimited 1% cash back on all purchases, automatically applied as a statement credit.
Pay with: Apple Pay, Google Pay, Contactless
Rewards Redemption: Automatic statement credit

Benefits and perks

Extras that come bundled with the card.

Retail protection

Items covered for damage or theft within 90 days (up to $1,000 per loss; $50,000 annually).
Extended warranty

Extends eligible manufacturer warranties by up to one additional year on purchases under $10,000.
Return protection

Refunds up to $300 per item if merchants refuse returns within 90 days ($1,000 annual max).
Travel accident insurance

Worldwide travel accident insurance up to $150,000.
Car rental insurance

Car rental loss and damage insurance up to $50,000.

Eligibility

What you need before you apply.

Recommended Credit Score: 580–740 (Fair to Good)

Credit One Bank® Premier American Express® Card: your questions answered

How much does the Credit One Bank® Premier American Express® Card cost?

The Credit One Bank® Premier American Express® Card costs $39 USD/yr.

What rewards does the Credit One Bank® Premier American Express® Card earn?

The Credit One Bank® Premier American Express® Card earns Unlimited 1% cash back on all purchases, automatically applied as a statement credit..

Does the Credit One Bank® Premier American Express® Card charge foreign transaction fees?

Yes - the Credit One Bank® Premier American Express® Card charges a 3% foreign transaction fee.

What is the interest rate on the Credit One Bank® Premier American Express® Card?

The Credit One Bank® Premier American Express® Card has a purchase APR of from 29.74%.

Is the Credit One Bank® Premier American Express® Card a credit, debit or prepaid card?

The Credit One Bank® Premier American Express® Card is a credit card issued by Credit One Bank on the American Express network.

Does the Credit One Bank® Premier American Express® Card support Apple Pay and Google Pay?

Yes - the Credit One Bank® Premier American Express® Card works with both Apple Pay and Google Pay.

Where can I get the Credit One Bank® Premier American Express® Card?

The Credit One Bank® Premier American Express® Card is currently offered in United States.

How does DebitCue rate the Credit One Bank® Premier American Express® Card?

DebitCue rates the Credit One Bank® Premier American Express® Card 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Credit One Bank® Premier American Express® Card?

Use the Apply now button to continue on Credit One Bank's secure site. Comparing and applying through DebitCue is free.