Credit One Bank Premier American Express Card
$39 a year. Purchase APR 28.74–30.49%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“Annual Fee † : $39”
- 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 | $80 | $80 |
| Typical spender | $260 | $260 |
| Heavy spender | $620 | $620 |
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 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 1%Everything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “Annual Fee † : $39” |
|---|---|
| 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
- Special benefits and Amex Offers
- Purchase protection
- Travel accident
Questions
- What is the annual fee?
- $39 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?
- 28.74–30.49% APR Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What credit do you need?
- Average Credit creditonebank.com, since Sep 29, 2026
Other cash back cards with fees up to $100
- The One Key+ Card MastercardWells Fargo · $99 a year+$375 a year
- Blue Cash PreferredAmerican Express · $95 a year+$295 a year
- Credit One Bank WanderCredit One · $95 a year+$255 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).