topic Re: Credit One Bank Omni Rewards Amex in Credit Card Approvals

Credit One Bank Omni Rewards Amex

hzynneb — Sun, 15 Feb 2026 00:06:48 GMT

Very intersting card. Its basically a clone of Bread 2%. It comes with a $200 bonus after 1k spent. Saw it on creditkarma, decided to go for it. I just dumped SoFi 2% because they want $120 AF for it.

T&C states min credit limit is 10k for this card..

Approved for 10k, low, but will take it. Pulled TU.

Re: Credit One Bank Omni Rewards Amex

FicoMike0 — Sun, 15 Feb 2026 01:28:22 GMT

Congratulations!

there are quite a few 2% cards. I have the wells, similar sub. $10000 is a nice cl.

Since I got the 3% aven card, active cash is in my sock drawer, lol.

Re: Credit One Bank Omni Rewards Amex

AndySoCal — Sun, 15 Feb 2026 02:07:41 GMT

@hzynneb Here is an article with more info on this card

https://www.msn.com/en-us/money/personalfinance/five-things-to-know-about-the-credit-one-amex-card/ar-AA1QUjVB

There are battle alternatiives to this card. Wells Fargo Active Cash is one. There are a couple of credit union alternatives as well. in order to get the card from the credit union you must be a member, Membership in a credit union is not hard to do. Here are a couple of suggestions

Signature Federal Credit Union

State Departement Federal Credit Union This is the one I have for me this has been a very good card.

Re: Credit One Bank Omni Rewards Amex

Jeffster1 — Sun, 15 Feb 2026 02:44:53 GMT

Credit One?

Hard pass.

Re: Credit One Bank Omni Rewards Amex

youngandcreditwrthy — Sun, 15 Feb 2026 04:34:02 GMT

Bread Amex Rewards also gave me 200 after 1k spend. and an extra .25% in cashback on top of 3% for groceries and gas as long as I have 25 transactions a month.

better believe I buy one thing at a time when I grocery shop if my other cards aren't offering more cash back lol

Re: Credit One Bank Omni Rewards Amex

FicoMike0 — Sun, 15 Feb 2026 04:55:19 GMT

@youngandcreditwrthy

"better believe I buy one thing at a time when I grocery shop if my other cards aren't offering more cash back lol"

I love it!

I had a checking sub two years ago that required 50 swipes in 60 days. Movies, two tickets & popcorn, 3 swipes. Couple of drinks, 2 more. Did some self checkout, 2 items, pay, 3 more, pay again. Half a tank of gas, pay. Fill it up, pay again. They really add up quick.

Btw, navy flagship pays 2 points on everything, another 2% catchall even if you don't use it for travel much. $49 af, but pays for annual prime. Also pays for global entry, get p2 an au card, pays for hers to.

Until they nerf it the aven 3% is hard to beat for catchall.

A big plus, you don't have to even admit you ever heard of credit one!

Re: Credit One Bank Omni Rewards Amex

AndrewF — Sun, 15 Feb 2026 05:20:02 GMT

Is the link from Credit Karma personalized? If not can anyone share it here?

Re: Credit One Bank Omni Rewards Amex

AndrewF — Sun, 15 Feb 2026 05:22:06 GMT

@youngandcreditwrthy wrote:
Bread Amex Rewards also gave me 200 after 1k spend. and an extra .25% in cashback on top of 3% for groceries and gas as long as I have 25 transactions a month.

better believe I buy one thing at a time when I grocery shop if my other cards aren't offering more cash back lol

If you have a fraud alert on your credit report, call in and have it removed from all bureaus before applying for anything from Bread/Comenity Bank, as they are unable to call you if you are using a prepaid phone number and you will get a hard pull that can't be disputed (because it was you).

I complained to the CFPB about that when it was a thing, and nothing happened. They just said the hard pull remains. No credit card.

Re: Credit One Bank Omni Rewards Amex

Jeffster1 — Sun, 15 Feb 2026 05:29:10 GMT

@youngandcreditwrthy wrote:
Bread Amex Rewards also gave me 200 after 1k spend. and an extra .25% in cashback on top of 3% for groceries and gas as long as I have 25 transactions a month.

better believe I buy one thing at a time when I grocery shop if my other cards aren't offering more cash back lol

Plus Comenity doesn't charge you for CLIs and next day payment processing.

Re: Credit One Bank Omni Rewards Amex

coreyb80 — Sun, 15 Feb 2026 15:48:19 GMT

Congrats on the approval!

Re: Credit One Bank Omni Rewards Amex

youngandcreditwrthy — Sun, 15 Feb 2026 17:16:21 GMT

It's definitely personalized @AndrewF

CK even did this with the Robin Hood gold card. I was on the list "to be invited", but I actually received my invite from credit Karma which resulted in the 10K approval which is pretty good considering all my new accounts.

aside from the fact that the lowest bottom feeding creditors are the biggest advertisers on credit Karma, I think that because credit karma has verified your identity. It's less of a credit risk for you to be approved for a credit acct through applying from credit Karma, if that makes sense?

Re: Credit One Bank Omni Rewards Amex

E36 — Wed, 18 Feb 2026 06:10:15 GMT

@FicoMike0 wrote:
@youngandcreditwrthy
Btw, navy flagship pays 2 points on everything, another 2% catchall even if you don't use it for travel much. $49 af, but pays for annual prime. Also pays for global entry, get p2 an au card, pays for hers to.

Wow TIL.

would you mind answering a few question? Does AU have AF? I'm eyeing NavyFed.

Does Flagship give cash back or only statement credit is it 1:1? Is there minimum redemption for CB or statement credit?

is there anything cool to exchange points for? Or is everything 1:1 or less?