Our illustration in the card’s colours, not its design
Credit One credit card
Credit One Bank American Express® for Rebuilding Credit
- APR down · 29.74% to 28.74% · Oct 4, 2026
Purchase APR 28.74–30.49%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- First year, then $99 annually (billed at $8.25 per month)Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · creditonebank.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 · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Rebuilding Credit
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$25 | −$50 | |
| Typical spender | $20 | −$5 | |
| Heavy spender | $70 | $45 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
−$50a year
−$25 the first year, with the welcome bonus.
Rewards and credits$50
−$50 after the fee−$100 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
−$5a year
$20 the first year, with the welcome bonus.
Rewards and credits$95
−$5 after the fee−$100 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$45a year
$70 the first year, with the welcome bonus.
Rewards and credits$145
You keep $45−$100 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Other cash back cards
- Capital One Spark CashCapital One+$510 a year
- Costco Anywhere Visa Card by CitiCiti+$510 a year
- Alliant Visa Signature Credit Card with CashbackAlliant Credit Union+$455 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 1%
- eligible gaseligible groceriesmonthly mobile phone, internet, cable, and satellite TV services
Cash back, as a share of each purchase.
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
All 10 benefits
- Customizable account notifications
- Ability to choose a new payment due date
- Free online credit score and credit report access
- Purchase protection
- Travel accident
Changes
- Oct 4, 2026 APR 29.74% to 28.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · creditonebank.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 | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Rebuilding Credit (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
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