Best Friends® Credit Card
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Best Friends® Credit Card from Credit One 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 0x points.
What does the Best Friends Credit Card earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Best Friends Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight pet supplies at 5x among the top bonus categories for the Best Friends Credit Card.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Best Friends Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x 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 Best Friends Credit Card?
The Best Friends Credit Card fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Best Friends Credit Card fits spenders who put meaningful volume in dining and can earn 0x 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 0x 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 (0x 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 Best Friends Credit Card have an annual fee?
The Best Friends Credit Card 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 Best Friends Credit Card?
The Best Friends Credit Card includes Booking.com, Donation, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
FICO Credit Score
$25/yrFree Online Access to credit score
Donation
Best Friends Animal Society receives a donation in an amount equal to 1% of eligible purchases made with this card
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the Best Friends Credit Card
Where do cardholders spend most with the Best Friends Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on pet supplies (5x) for the Best Friends Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Best Friends Credit Card have an annual fee?
The Best Friends Credit Card 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 Best Friends Credit Card?
Dining is the strongest Madeen category for the Best Friends Credit Card 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 Best Friends Credit Card charge foreign transaction fees?
The Best Friends Credit Card 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 Best Friends Credit Card?
Madeen's catalog lists a typical credit range of Fair for the Best Friends Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Best Friends Credit Card?
Rewards on the Best Friends Credit Card 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 does the Best Friends Credit Card compare to similar cards?
Compare the Best Friends Credit Card against Credit One Bank Wander American Express (5% on Dining, $95 fee); Credit One Bank NASCAR American Express (1% on Dining, $39 fee); Credit One Bank Premier American Express (1% on Dining, $39 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 |
|---|---|---|---|
Best Friends Credit Card This card | Dining | 0% | $0 |
| Dining | 5% | $95 | |
Credit One | Dining | 1% | $39 |
Credit One | Dining | 1% | $39 |
Credit One | Dining | 0% | $39 |
Side-by-side comparisons
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.
Credit One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit One. 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