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Wells Fargo · synced with issuer page
Wells Fargo

One Key+ Card

No longer accepting applications

Operator decision (2026-10-27): treat as closed to new applications. Wells Fargo no longer lists the One Key+ card — its product page (creditcards.wellsfargo.com/one-key-plus-credit-card) redirects to Wells Fargo's general credit-cards list, and no application page or current welcome offer for the card is available on Wells Fargo's site. Source

Annual fee
$99
Network
visa
Type
personal

It earns 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and on dining; and 2% on other purchases, with additional cardholder travel benefits subject to program terms.

Wells Fargo One Key+ Card

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$220

What the issuer advertises.

02Realistic
$220

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

Why Perqt says this
  • $220 advertised across 2 benefits.
  • Trusted Traveler Program credit ($120) posts automatically. No hoops.
  • No-hoops value covers 222% of the annual fee.
Better fit if
  • You'll actually use Trusted Traveler Program credit.
  • 3× on Expedia, Hotels.com and Vrbo matches your spend.
  • No-hoops credits alone clear the fee.
Probably not if

    Earning rates

    • Other purchases
      2×
      cash back
      One Key
    • Top earn
      Expedia, Hotels.com and Vrbo
      3×
      cash back
      One Key
    • Top earn
      Gas stations, grocery stores and on dining
      3×
      cash back
      One Key

    On-card benefits & credits

    • Trusted Traveler Program credit
      $120
      /One-time

      Get one statement credit of up to $120 every four years for the first eligible Trusted Traveler Program application or renewal fee that posts, including Global Entry or TSA PreCheck.

    • $100 OneKeyCash anniversary bonus
      $100
      /Annual

      Receive $100 in OneKeyCash each 12-month anniversary year when the account remains open, not delinquent and not in default. It is awarded after the anniversary billing cycle and expires 12 months after issuance.

    • Mastercard Golf
      $0
      /As needed

      World and World Elite cardholders can secure tee times through the Hidden Network of private courses and enjoy Honorary Observer and Pro-Am positions at select PGA TOUR events.

    • Mastercard ID Theft Protection
      $0
      /As needed

      Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information. It also provides you with resolution services should you find yourself a victim of identity theft. Enrollment is required.

    • Auto Rental Collision Damage Waiver
      $0
      /As needed

      Primary rental-car collision and theft coverage applies except for New York residents. Pay the full rental cost with the card and/or associated rewards and decline the rental company's coverage; exclusions apply.

    • Automatic One Key Gold status
      $0
      /Annual

      The primary cardholder automatically receives One Key Gold tier while the linked One Key+ account remains open, including Gold Member Prices with savings of 20% or more on over 10,000 hotels worldwide.

    • One Key Platinum status (Spend Tier)
      $0
      /Annual

      Unlocks after $30,000 calendar-year spend on the card. Platinum is valid for the rest of the qualifying year, the following calendar year, and through February 28 of the next year.

    • Cellular Telephone Protection
      $0
      /Annual

      Covers damage, theft, or involuntary and accidental parting of an eligible phone, less a $25 deductible, with up to two paid claims per 12 months. The total monthly wireless bill must be paid with an eligible Wells Fargo consumer card.

    • No Foreign Transaction Fees
      $0
      /As needed

      Pay no foreign transaction fee on purchases converted to U.S. Dollars while traveling.

    • Mastercard Concierge Service
      $0
      /As needed

      Mastercard Concierge experts assist with travel, dining and other arrangements. Costs of any goods or services provided by the concierge are billed to your card.

    • Travel Accident Insurance
      $0
      /As needed

      Provides up to $1,000,000 for covered accidental loss of life, limb, sight, speech or hearing on a covered trip when common-carrier fare is paid in full with the eligible card and/or associated rewards.

    • Trip Cancellation and Interruption Insurance
      $0
      /As needed

      Reimbursement for the cost of the nonrefundable scheduled common carrier passenger fare if the trip must be canceled or interrupted because of a covered reason. The entire fare must be paid with your card. Coverage is secondary.

    Other Wells Fargo cards

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