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Credit One Bank® Omni Rewards American Express® Card
Credit One Bank

Credit One Bank® Omni Rewards American Express® Card

A no-annual-fee cash back card from Credit One Bank.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 Cash Back
Min spend
$1,000 in 6 months
Recommended credit
Good (670+)
Network
Amex
Foreign transaction fee
None
Apply on Credit One Bank site7.6/10Our rating · review ›

Rates, fees, and full terms are set by Credit One Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified August 18, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

Unlimited 2% cash back on every purchase
$200 cash back after you spend $1,000 in the first 6 months

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee
No foreign transaction fees
Retail Protection covers eligible items damaged or stolen within 90 days
Backed by the American Express network
Reports to all three credit bureaus

Alternatives to the Credit One Bank® Omni Rewards American Express® Card

Pairs well with

The Credit One Bank® Omni Rewards American Express® Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Credit One Bank® Omni Rewards American Express® Card lands.

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