Credit One Bank® Premier American Express®
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How we calculate effective rate →
The Credit One Bank® Premier American Express® from Credit One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $39.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $39
Best for dining-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Credit One Bank Premier American Express earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Premier American Express compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Credit One Bank Premier American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Credit One Bank Premier American Express?
The Credit One Bank Premier American Express fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Credit One Bank Premier American Express fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Less compelling if the $39 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- Rewards post as cash back; compare redemption paths before assuming cash-equivalent value.
Cons
- $39 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
Does the Credit One Bank Premier American Express have an annual fee?
The Credit One Bank Premier American Express has an annual fee of $39 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $39
- Foreign transaction fee
- $3
What benefits come with the Credit One Bank Premier American Express?
The Credit One Bank Premier American Express includes FICO Credit Score, Retail Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
FICO Credit Score
$25/yrFree Online Access to credit score
Retail Protection
$25/yrcovers you if an eligible item is damaged or stolen within 90 days of purchase.
Related encyclopedia topics
Common questions about the Credit One Bank Premier American Express
Does the Credit One Bank Premier American Express have an annual fee?
The Credit One Bank Premier American Express carries an annual fee of $39 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Credit One Bank Premier American Express?
Dining is the strongest Madeen category for the Credit One Bank Premier American Express at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Credit One Bank Premier American Express charge foreign transaction fees?
The Credit One Bank Premier American Express charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the Credit One Bank Premier American Express annual fee worth it?
Whether the $39 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Credit One Bank Premier American Express?
Madeen's catalog lists a typical credit range of Fair for the Credit One Bank Premier American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Credit One Bank Premier American Express?
Rewards on the Credit One Bank Premier American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Credit One Bank Premier American Express compare to similar cards?
Compare the Credit One Bank Premier American Express against Credit One Bank Wander American Express (5% on Dining, $95 fee); Credit One Bank NASCAR American Express (1% on Dining, $39 fee); Best Friends Credit Card (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Credit One Bank Premier American Express This card | Dining | 1% | $39 |
| Dining | 5% | $95 | |
Credit One | Dining | 1% | $39 |
Credit One | Dining | 0% | $0 |
Credit One | Dining | 0% | $39 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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