Credit One Bank American Express for Rebuilding Credit
Purchase APR 28.74–30.49%, variable.
- Annual fee
- Issuer's pagecreditonebank.com
“Yes, the annual fee for the Credit One Bank American Express ® for Rebuilding Credit is $75 for the first year, then $99 annually (billed at $8.25 per month). †”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$25 | −$50 |
| Typical spender | $20 | −$5 |
| Heavy spender | $70 | $45 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How you earn
- 1%eligible gas
- 1%eligible groceries
- 1%monthly mobile phone, internet, cable, and satellite TV services
Rates and fees
| Annual fee | Issuer's pagecreditonebank.com “Yes, the annual fee for the Credit One Bank American Express ® for Rebuilding Credit is $75 for the first year, then $99 annually (billed at $8.25 per month). †” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Access to American Express Offers for shopping, dining, travel, and more
- Special benefits
- Contactless payment with EMV chip technology
- Zero Fraud Liability for unauthorized charges if the card is lost or stolen
- Credit One Bank Mobile App with Apple Pay, Samsung Pay, and Google Pay support
- Customizable account notifications
- Ability to choose a new payment due date
- Free online credit score and credit report access
- Purchase protection
- Travel accident
Questions
- What is the annual fee?
- $75 first year, then $99 annually (billed at $8.25 per month) creditonebank.com, since Oct 4, 2026
- What is the purchase APR?
- 28.74–30.49% APR Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What credit do you need?
- Rebuilding Credit creditonebank.com, since Sep 29, 2026
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Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).