Credit One Bank® Platinum Visa®
vs. Credit One Bank American Express® Card

Both the Credit One Bank® Platinum Visa® and the Credit One Bank American Express® Card offer cash back rewards and cater to individuals with fair to good credit, making them strong contenders for your wallet. However, the Credit One Amex edges ahead with its unlimited 1% cash back on all purchases, providing straightforward value.

The Credit One Platinum provides cash back on everyday purchases like gas and groceries.

While neither card has an introductory offer, their similar annual fees and credit requirements make them both accessible options.

You might prefer the Credit One Platinum if your spending is concentrated in specific areas. This card offers 1% cash back on purchases from eligible gas, grocery and certain service providers. If these are your primary spending categories, you could maximize your rewards with this card. Additionally, it provides free credit score access and flexible payment due date options.

You might prefer the Credit One Amex if you value a straightforward rewards program. With this card, you earn unlimited 1% cash back on all purchases without category restrictions. It's also packed with additional American Express benefits, such as retail protection and access to Amex Offers, enhancing your shopping and travel experiences.

Evaluating APRs, fees, credit requirements, rewards and other features will help you determine which card aligns with your financial needs. Use this section to compare the Credit One Platinum and Credit One Amex, considering how each card's specifics apply to your spending habits and credit goals.

The Credit One Amex leads with a straightforward rewards program, offering unlimited 1% cash back on all purchases. With an expected reward value of $301, it's a solid choice for those seeking a simple, effective cash back card.

On the other hand, the Credit One Platinum provides 1% cash back but only in specific categories such as gas, groceries and certain utilities. While these targeted rewards can be beneficial, they don't match the overall reward potential of the Credit One Amex.

Despite its narrower focus, the Credit One Platinum may appeal to users who spend significantly in its bonus categories. However, for most, the broader reward structure of the Credit One Amex will likely provide greater value. The table below provides a detailed comparison of the bonus categories for both cards.

The Credit One Platinum and Credit One Amex have the same straightforward redemption process. Your cash back earnings are automatically applied as statement credit. Rewards for both cards do not expire, ensuring long-term value for cardholders.

MoneyGeek's ranking process evaluates credit cards across various use cases, such as cash back and balance transfers. The highest scoring use case for the Credit One Platinum and Credit One Amex is cash back.

The largest factors influencing their scores include the effective reward rate and the return on investment for offers. These factors, among others, contribute to a comprehensive score that reflects the card's value in specific scenarios. For a detailed understanding of our scoring system, you can review our ranking methodology.