Review
Credit One Bank Omni Rewards American Express Card Review: Solid Rewards, High APR
Earning a flat 2% cash back on all purchases sounds great, but is the Credit One Bank Omni Rewards American Express Card too good to be true? Our review dives deep into the pros and cons.
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 Bonus Cash Back Rewards |
| Rewards Rate | Unlimited 2% Cash Back Rewards |
| Regular APR | APR: 29.74% (variable rate) |
Overview
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Cashback on purchases
- Free online access to credit score
Things to consider
- High regular APR
Benefits
Drawbacks
Decision Guidance
Summary
The Credit One Bank Omni Rewards American Express Card is a mixed bag. On paper, it offers a decent 2% cash back and a generous sign-up bonus with no annual fee, which are attractive features. However, the extremely high APR of 29.74% significantly u...