Credit One Bank Omni Rewards American Express Card
$200 cash back rewards after you spend $1,000 in 6 months. No annual fee.
- Welcome offer
- Issuer's pagecreditonebank.com
“Unlimited 2% cash back rewards on all purchases<sup>†</sup>,$200 Bonus Cash Back Rewards when you spend $1,000 in the first 6 months from account opening<sup>†</sup>,Credit line up to $10,000<sup>†</sup>”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“Annual Fee † : $0”
- 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.
- Foreign transaction fee
- 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 | $240 | $240 |
| Typical spender | $600 | $600 |
| Heavy spender | $1,320 | $1,320 |
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 it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
After you spend $1,000 on purchases in your first 6 months.
Within the first six billing cycles from the account open date.
How you earn
- 2%Everything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “Annual Fee † : $0” |
|---|---|
| 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. |
| Foreign transactions | 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
- Purchase protection
- Travel accident
Questions
- What is the annual fee?
- $0 Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 29.99–30.49% APR Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- Is there a welcome bonus?
- $200 cash back after $1,000 in purchases in 6 months. creditonebank.com, since Sep 29, 2026
- What credit do you need?
- Excellent Credit creditonebank.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$110 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$50 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).