One Key™
The Bottom Line
4.1
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
This One Key™ Card from Wells Fargo is a great choice for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and a range of travel benefits and perks, all with no annual fee. This card is ideal for those who frequently book travel accommodations online and want to earn rewards while enjoying valuable protection and perks without an annual fee.
One Key™
Apply now
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.49% - 28.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 1.5% on all other purchases.
1.5% - 3% OneKeyCash
Welcome Offer Earn $250 in OneKeyCash™ after spending $1,000 in the first three months.
$250 in OneKeyCash™
Welcome Offer
- Earn $250 in OneKeyCash™ after spending $1,000 in the first three months.
Rewards
- Up to 9% in OneKeyCash™ on Expedia and Hotels.com: 3% in OneKeyCash™ with the One Key™ Card + up to 6% in OneKeyCash™ as a One Key member.
- Up to 5% in OneKeyCash™ on Vrbo: 3% in OneKeyCash™ with the One Key™ Card + 2% in OneKeyCash™ as a One Key member.
- 3% in OneKeyCash™ on Select Categories:
- 3% in OneKeyCash™ at Gas Stations.
- 3% in OneKeyCash™ on Grocery Stores.
- 3% in OneKeyCash™ on Dining and Food Delivery.
- 1.5% in OneKeyCash™ on All Other Purchases.
Elite Status
- Automatic Silver Tier in the One Key Travel Rewards Program: Enjoy automatic Silver Status with savings of 15% or more on over 10,000 hotels worldwide with Silver Member Prices.
- Unlock Gold Tier when you spend $15,000 per calendar year.
Redemption Options
- OneKeyCash™ is your rewards currency to use on Expedia. $1 in OneKeyCash is $1 to use on eligible hotels, car rentals, flights and more.
Fees and APR
- Annual Fee: $0.
- Regular APR: 18.49% - 28.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Travel Benefits
- Travel Benefits: Includes Auto Rental Collision Damage Waiver (Primary Coverage), Mastercard Travel and Lifestyle Services, $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Mastercard Global Service™, Concierge Service, and Mastercard Golf.
Purchase Protections
- Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Additional Features
- Mastercard ID Theft Protection™
Terms and Conditions
Click Apply Now to see the terms and conditions.