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Credit One Bank Wander™ Card review

You'll need to spend $1,900 at amusement parks annually to make this card worth it.

  • Get this card if you visit amusement parks on the regular and are likely to buy a National Park Pass this year.
  • Pick something else if you want a no-annual-fee card that earns rewards on everyday purchases.
  • Apply with a fair to good credit score of 580 or higher.

5x points on eligible recreational & amusement park purchases (including national parks & sporting events)
3x points on eligible restaurant & lodging purchases (including campgrounds)
1x points on all other purchases

Rewards

$95

Annual fee

23.99% variable

Purchase APR

580

Minimum Credit Score

Details

Annual fee$95
Welcome offerBuy an $80 National Park Pass with your Wander card on site at a National Park, or online at recreation.gov or usgs.gov (excludes processing fee), within the first year from account opening, and get an $80 statement credit.
Rewards5x points on eligible recreational & amusement park purchases (including national parks & sporting events)
3x points on eligible restaurant & lodging purchases (including campgrounds)
1x points on all other purchases
Purchase APR23.99% variable
Balance transfer APRN/A
Minimum Credit Score580
IssuerVisa
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Review by


Amy Stoltenberg is a staff writer at Finder. She manages Finder's newsletter, which is about all things personal finance, with a sparkling eye toward cryptocurrency and the exciting world of DeFi. When her laptop's closed, you can find her driving around Los Angeles, marveling at the palm trees. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report.

Expert review

The Credit One Bank Wander™ Card is ideal for people who visit theme and amusement parks on the regular, since you’ll earn 5x points for every dollar you spend on everything from season passes to Mickey Mouse ears and cotton candy. True, you can earn an $80 statement credit when you buy a National Park pass, but that’s a one-time offer and doesn’t make up for the $95 annual fee. To make this card worth it, you’ve got to be an avid fan of places like Disneyland and Six Flags.

Each point on this card is worth about $0.01. That means you’d need to spend $1,900 at amusement parks in one year, just to make up that $95 in rewards. With that in mind, this card can be a good option for families who frequent theme parks and amusement parks, since day passes, cotton candy and souvenirs add up quickly — not to mention funnel cakes.

However, if you don’t anticipate going to an amusement park anytime soon or you don’t go very often, you should browse travel credit cards that reward trips you do plan on taking, whether that be international excursions or poolside getaways. Of course, if your wanderlusting plans are wide open right now, you could simply favor travel credit cards that don’t have an annual fee, like the Chase Freedom Unlimited® or Costco Anywhere Visa® Card by Citi.

How to apply for the Credit One Bank Wander™ Card

Here’s how to apply for the Credit One Bank Wander™ Card:

  1. Go to the Credit One website.
  2. Click See If You Pre-Qualify. Pre-qualifying does not guarantee approval but means your chances are very good.
  3. Enter your name, contact info, social security number, birthday and total monthly income.
  4. Click See Card Offers.
  5. Select the Credit One Bank Wander™ Card to complete the application process.

What credit score do I need?

You mostly likely need a fair to good credit score to quality for the Credit One Bank Wander™ Card, ranging from 580 to 739.

Credit One Bank Wander™ Card benefits

  • Unique points categories. Earn 5x points on eligible recreational and amusement park purchases, 3x on eligible restaurant and lodging purchases and 1x on everything else when you use this card.
  • Statement credit. Get $80 when you buy a qualifying National Park Pass within the first year.
  • Zero Fraud Liability. Credit One won’t hold you responsible for unauthorized charges.
  • Free access to your Experian credit score. As with all Credit One credit cards, you’ll get free access to your Experian credit score with this card

Credit One Bank Wander™ Card drawbacks

  • Annual fee. You’ll pay $95 a year to own this card.
  • High foreign transaction fees. You’ll pay 3% or $1 in foreign transaction fees —whichever is greater — when you buy something outside of the US.

Compare low credit credit cards

If this card isn’t right for you, compare other credit cards for low credit. Use our table and select up to four cards to compare their features side by side.

Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Tomo Credit Card
N/A
N/A
$0
New to credit
A credit-building card with no fees, no APR, and no credit check.
Credit One Bank® Platinum Visa®
N/A
23.99% variable
$39
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
PCB Secured Visa®
Starting at $200
18.9% fixed
$39
300
Choose your initial deposit amount and credit limit from $200 to $1000. Rates & fees
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Compare up to 4 providers

Credit One Bank Wander™ Card customer reviews and complaints

Credit One Bank has been accredited with the Better Business Bureau since 2011 and has an A- rating from the organization as of September 2021. This provider’s earned 1.5 out of 5 stars from 92 customer reviews on Trustpilot as of September 2021, with complaints noting issues with excess fees and customer service.

Bottom line

Consider applying for this card only if you’re an amusement park enthusiast who plans to spend upwards of $1,900 yearly at theme or amusement parks. Otherwise, the $95 yearly fee won’t be worth it, and you should opt for another rewards credit card with perks that better match your spending.

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