Consider Pros And Cons Of Credit One Bank American Express Card
Travel and shopping advantages are available with the Credit One Bank American Express Card, including vehicle rental loss and damage insurance, travel accident insurance, extended warranty protection, retail protection, and return protection. However, there are other drawbacks to this credit card that we must overlook. So, we'll go through all of the benefits and drawbacks of the Credit One Bank American Express card and give it a thorough review. Don't miss out on this topic if it's something you're interested in learning more about.
What Is American Express?
American Express is a global financial services firm that a huge number of individuals in the United States trust. With an American Express credit card, you can simply modify everything from travel checks to charge card services, travel, rental car insurance, flights, hotels, and apparel. The company values corporate responsibility and engages in philanthropy, community service, and heritage preservation and conservation. You may save money on every transaction with American Express, no matter where you are. You can save on American Express gift cards for both business and personal use, in addition to the perks and privileges that come with holding an American Express credit card.
Earn 60,000 Membership Rewards Points W/ The Platinum Card
Earn Rewards With No Annual Fee W/ Blue From American Express
$0 Balance Transfer Fee Offer + Earn 10,000 Membership Rewards Points W/ Amex EveryDay Credit Card
Refer A Friend To Get Rewards
What Is Credit One Bank?
Credit One Bank is a bank and financial services company based in Las Vegas, Nevada that specializes in credit cards. It is a wholly-owned subsidiary of Credit One Financial, a Nevada corporation. Credit One Financial is a Subchapter-S corporation that shares common beneficial ownership with Sherman Financial Group, LLC. Over the course of nearly 40 years, it has distributed over $105 million in cash-back rewards to its 10 million+ cardmembers.
Types Of Credit One Bank Credit Cards
Credit One Bank releases many different credit cards for customers in the bad to good credit range and also offers cash-back rewards for every spending.
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Type of credit card |
Best for |
|
Credit One Bank Platinum Visa for Rebuilding Credit |
Bad Credit |
|
Credit One Bank American Express Card |
Fair Credit |
|
Credit One Bank Platinum Rewards Visa |
Rewards |
|
Credit One Bank Platinum Rewards Visa with No Annual Fee |
No Annual Fee |
|
Credit One Bank Visa Cash Back Rewards |
Cash-Back |
|
Credit One Bank NASCAR Credit Card OR Vegas Golden Knights Credit Card |
Sports Fans |
Features And Benefits Of Credit One Bank Credit Card
- Log in to your online banking account for all of your accounts.
- Experian provides you with a free credit score every month, and you may customize account notifications to stay on top of payment due dates and account activity notices.
- Increased credit lines were automatically applied based on your account activity.
- To manage your account, pay invoices, and check your balance, download the Credit One Bank mobile app (iOS and Android).
- Apple Pay, Samsung Pay, and Google Pay allow you to make secure payments on your mobile device with zero fraud liability and EMV chip technology.
- Online statements eliminate the need for printed statements.
Credit One Bank American Express Card: Features And Benefits
For those with fair credit who want to earn points, the Credit One Amex card is a good option. You earn 1% cashback on all transactions, regardless of where or what you buy, and the cashback is applied as a statement credit each month. If your credit score is better, you can get a cash-back card for 1.5% - 2% back on all your purchases. Therefore, if you want to reduce your monthly balance easily, Credit One AMEX is a good choice for you.
Travel Perks
- Insurance for car rental damage and loss
- Accident insurance for international travel
- Amex Entertainment Access Travel offers up to 10% off Delta Air Lines flights as well as 25% off car rentals and discounted hotel rates.
Shopping protections
- Retail protection: protects your purchases up to $1,000 ($50,000 per calendar year) if they are damaged or stolen within 90 days of purchase.
- Extended warranty: You'll get an extended warranty that matches the purchase's warranty of 12 months or less, up to the item's cost or $10,000, whichever is less.
- Return protection: This uncommon benefit, which refunds the cost of purchase for which the merchant will not accept returns (up to $300 per item, $1,000 per year), is ideal for online shopping.
AMEX Offers
- Get 10% back on Grubhub.com
- Get up to $75 on Seamless.com
- Get $10 back for $10 spent on Hulu
Entertainment Benefits
- Get early access to purchase tickets for theater, concert, sports, and more
- When you use your Card, you can get presale tickets to exceptional events and experiences before the general public.
Credit One Bank American Express Card: Rate And Fees
|
Credit needed |
Fair, Good |
|
Annual fee |
$39 |
|
Foreign transaction |
$1 or $3 of each foreign transaction |
|
Cash advance fee |
$5 or $8 of each advance |
|
Late or returned payments |
Up to $39 |
|
Standard APR |
23.99% variable |
Credit One Bank American Express Card: Pros And Cons
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Pros |
Cons |
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You might be also interested in:
>> Which Requirements Are Needed To Join American Express Black Card?
>> How To Check American Express Business And Personal Gift Card Balance
>> American Express| Benefits, Fees, And Requirements Of AMEX Gold Card
Final Words
Overall, Credit One Bank American Express is worth considering if you want to build your credit or strengthen your score. It has both pros and cons as mentioned above and you can consider these benefits and downsides to decide to buy one or not. You had better compare this credit card with some other types to choose the right one for yourself. If you want to find a place that collected all available coupons and discounts from online stores, FindCouponHere is one of the best coupon websites for you. Just with a click, you can get a deal and directly shop online.
