The ONLY Card Mastercard®
Central Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Central Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The The ONLY Card Mastercard® from Central Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points.
What does the The ONLY Card Mastercard earn in each category?
Dining is the strongest category at 0% effective value (1x points at about 0 cents each). The five-category effective-rate table on this page shows how The ONLY Card Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (1x points at about 0 cents each). The five-category effective-rate table on this page shows how The ONLY Card Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0% |
| Gas Gas stations and fuel | 1x points | 0% |
| Travel Flights, hotels, transit | 1x points | 0% |
| Other General everyday spend | 1x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the The ONLY Card Mastercard?
The The ONLY Card Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
The ONLY Card Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (1x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the The ONLY Card Mastercard have an annual fee?
The The ONLY Card Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the The ONLY Card Mastercard?
The The ONLY Card Mastercard includes Baggage Delay, Lost or Damaged Luggage, Mastercard Airport Concierge™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trip Cancellation
$5,000/yrReceive reimbursement for any incurred expense, should you need to cancel your upcoming trip for any covered reason.
Mastercard Airport Concierge™
$150/yravings on Airport Meet and Greet services, which includes a personal Meet and Greet agent to escort you 24/7 through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.
Baggage Delay
$25/yrReimburses you for expenses incurred for the emergency purchase of essential items while you’re without your luggage.
Worldwide Automatic Travel Accident Insurance
$25/yr$250,000 limit
Lost or Damaged Luggage
Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage, should it be lost or damaged by the common carrier.
Related encyclopedia topics
Common questions about the The ONLY Card Mastercard
Does the The ONLY Card Mastercard have an annual fee?
The The ONLY Card Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the The ONLY Card Mastercard?
Dining is the strongest Madeen category for the The ONLY Card Mastercard at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the The ONLY Card Mastercard charge foreign transaction fees?
The The ONLY Card Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the The ONLY Card Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the The ONLY Card Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the The ONLY Card Mastercard?
Rewards on the The ONLY Card Mastercard post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the The ONLY Card Mastercard?
To maximize the The ONLY Card Mastercard, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the The ONLY Card Mastercard compare to similar cards?
Compare the The ONLY Card Mastercard against Central Bank World Elite Mastercard (0% on Dining, $99 fee); Central Bank World Mastercard (0% on Dining, $0 fee); St. Louis Cardinals Credit Card (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
The ONLY Card Mastercard This card | Dining | 0% | $0 |
Central Bank | Dining | 0% | $99 |
Central Bank | Dining | 0% | $0 |
Central Bank | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Central Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Central Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure