Cash back · American Express · $95 annual fee
Last verified 2026-09-09. Review issuer source
Credit One Bank Wander American Express is a $95-a-year cash back card from Credit One. Its best everyday rates are 5% on dining, and 5% on travel; everything else earns 1%.
On our reference budget of $24,600 a year it earns $510, which clears the $95 fee with $415 to spare before any credits or perks. The welcome bonus, $1,000 after $1,000 in 90 days, is the strongest reason to open it in a given year.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
5X points on dining
5X points on eligible travel including flights
Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days from your account opening that can be redeemed for a $100 statement credit, gift cards, or travel.
Free Online Access to credit score
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Credit One Bank Wander® American Express®This card · 5% on dining | $95 | $510 | +$415 | 451st of 1,291 |
| Credit One Bank® Platinum X5 Visa SignatureCredit One's most-held other card · 5% on gas stations | $95 | $542 | +$447 | 441st of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
