Credit One Bank Wander™ Card With No Annual Fee Review

Credit One Bank Wander™ Card With No Annual Fee Review article image.

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Credit One Bank offers numerous credit cards, with many charging annual fees. However, there's a newcomer without one: the Credit One Bank Wander Card With No Annual Fee. In addition to forgoing an annual fee, this card offers rewards on eligible recreational activities, restaurants and lodging.

Credit One Bank Wander Card With No Annual Fee

Apply

on Credit One Bank's website

Good - Exceptional

Credit One Bank Wander Card With No Annual Fee

APR

23.99% Variable

Intro APR

N/A

Rewards

3X points on Eligible Recreational & Amusement Park Purchases

2X points on Eligible Restaurant & Lodging Purchases

1X points on All Other Purchases

Annual Fee

$0

Card Details
  • Earn 3x points on eligible Recreational & Amusement Park purchases, 2x on eligible restaurant & lodging purchases, and 1x points on all other purchases, terms apply
  • No annual fee for qualified applicants, terms apply
  • Redeem your reward points for statement credits, gift cards, merchandise and more
  • Take Advantage of Merchant Offers from companies such as Maverick, RVshare and More
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • View your free online access to your Experian credit score, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

Rates and Fees

ProsCons
No annual feeNo special financing offers or intro bonus
Increased rewards on eligible recreational activities, restaurants and travel lodgingCharges a foreign transaction fee
Rewards rates are lower than other travel cards
Credit One Bank Customer Service
877-825-3242
P.O. Box 98873
Las Vegas, NV 89193-8873

Experian Review

The Credit One Bank Wander Card With No Annual Fee offers a decent rewards program for consumers with very good to excellent credit.

Travel-Focused Rewards Program

Cardholders can earn increased rewards on eligible recreational activities, dining and travel purchases.

You can benefit from earning:

  • 3 points per dollar spent on eligible recreational and amusement park purchases
  • 2 points per dollar spent on eligible restaurant and lodging purchases
  • 1 point per dollar spent on all other purchases, terms apply

Redemption options include statement credits, gift cards, merchandise and more.

This card charges a foreign transaction fee on purchases made outside the U.S., so it's best used for earning rewards on domestic trips rather than international travel.

No Annual Fee and Other Money-Saving Perks

This card has no annual fee, which allows you to maximize rewards without the need to offset a fee. In addition to no annual fee, you can activate ways to earn more rewards with merchant offers from companies such as Maverick and RVshare. Plus, the More Rewards program allows you to automatically earn cash back for using your Credit One Bank Wander Card With No Annual Fee at participating retailers with over 30,000 locations nationwide.

Additional Info

Purchase APR: 23.99% (variable)Grace period: 24 days
Cash advance APR: 23.99% (variable)Annual fee: $0
Cash advance fee: 5% of the advance amount ($10 minimum)
Foreign transaction fee: 3% ($1 minimum)
Late payment fee: Up to $39
Returned payment fee: Up to $39

Authorized-User Policy

You can add authorized users to your Credit One Bank Wander Card With No Annual Fee if they're 15 years old or older. Authorized users can make purchases with their card (if you agree) without being liable for payments. You'll be solely responsible for the monthly bills as the primary cardholder. Credit One Bank only reports authorized-user accounts to the credit bureaus if the user is your spouse you inform the card issuer.

Is This Card Right for You?

The Credit One Bank Wander Card With No Annual Fee is a decent option for earning rewards on eligible recreational activities, lodging and restaurants. Plus you can benefit from additional ways to earn cash back with the More Rewards program.

If you don't mind paying a $95 annual fee, consider the Credit One Bank Wander Card. This card offers higher rewards rates and a unique welcome bonus. Plus the credit score requirements are more accomodating, ranging from fair to exceptional.

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.