Credit One Bank® Premier American Express® Card: annual fee, APR and rewards

Fact sheet for the Credit One Bank® Premier American Express® Card, issued by Credit One, with a $39 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	$39 a year
Fee waiver	$0 or $39 Annual Fee depending on offer version ($0: D525/D524/D479; $39: D480/D518)
Rewards	Cashback: 1% cash back rewards for purchases (net purchases).
Purchase APR	29.74% Variable Purchase APR (WSJ Prime + 22.99%) - Credit One card agreement version D525, dated 2026.06.30; not verified on the live card page
Balance transfer fee	Either $10 or 5% of the amount of each Balance Transfer, whichever is greater ($0-fee versions); either $5 or 8% ($39 version D480).
Foreign transaction fee	None
Credit level	Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 29.99%, with a range of 28.74% to 30.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.