Credit One Bank Wander American Express Card With Dining Gas Travel Rewards Review 2026
5% cash back rewards on eligible dining, gas, & travel purchases. 1% cash back rewards on all other purchases
See offerYou'll leave SwitchWize. Verify terms with the issuer.
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Your card estimate
Net first-year value
First year
+$205
Base rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,500 in rewards.
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Rewards
5% cash back
Annual fee
$95
APR
29.99%
Pros & cons
- Strong rewards rate (5%)
- Annual fee: $95
- High regular APR (29.99%)
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$95 annual fee
29.99% variable
Verify spend requirement
Credit One Bank terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $95 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
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Bottom line
Is Wander American Express Card With Dining Gas Travel Rewards worth it?
5% cash back rewards on eligible dining, gas, & travel purchases. 1% cash back rewards on all other purchases
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term