Credit One Bank® American Express® For Rebuilding Credit: annual fee, APR and rewards

Fact sheet for the Credit One Bank® American Express® For Rebuilding Credit, issued by Credit One, with a $99 annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Credit One
Network	American Express
Annual fee	$99 a year
Fee waiver	$75 for the first year. After that, $99 annually (billed at $8.25 per month). (agreement versions D535/D531/D530/D495/D484/D444)
Rewards	Cashback: 1% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV purchases.
Purchase APR	29.74% Variable Purchase APR (WSJ Prime + 22.99%) - Credit One card agreement version D535, dated 2026.06.30; not verified on the live card page
Balance transfer fee	Introductory fee: Either $10 or 5% of the amount of each Balance Transfer posted to your account within 60 days of account opening, whichever is greater. After that, either $5 or 8% of the amount of each Balance Transfer, whichever is greater.
Foreign transaction fee	3% of each transaction
Credit level	Poor