Wells Fargo One Key™ Card
MastercardIssued by Wells Fargo
The flexible travel card: 3% back on Expedia/Hotels.com/Vrbo, plus 3% on gas, groceries, and dining with no annual fee.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.49% – 28.49%
Rate based on prime rate and creditworthiness.
SIGN-UP BONUS
250
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months from account opening.
TOP CASH BACK
3% OneKeyCash
Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo.
Key Benefits
- Earn 3% OneKeyCash on Expedia, Hotels.com, and Vrbo
- Earn 3% OneKeyCash at gas stations, grocery stores, and dining
- Earn 1.5% OneKeyCash on all other purchases
- No annual fee
- Automatic Silver tier status in One Key rewards program
- No foreign transaction fees
Important Limitations
- Travelers who prefer direct airline or hotel bookings (earns less OneKeyCash)
- Those who want cash back (OneKeyCash can only be used on the platform)
- Carrying a balance (high variable APR)
Rewards Structure
One Key Brands
3% OneKeyCashAnnual limits
Unlimited (no annual cap)
Details
- Expedia
- Hotels.com
- Vrbo
gas stations
3% OneKeyCashAnnual limits
Unlimited (no annual cap)
Details
Earn 3% in OneKeyCash at gas stations
grocery
3% OneKeyCashAnnual limits
Unlimited (no annual cap)
Details
Earn 3% in OneKeyCash at gas stations, grocery stores, and dining.
dining
3% OneKeyCashAnnual limits
Unlimited (no annual cap)
Details
Earn 3% in OneKeyCash at dining.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| One Key Brands | 3% OneKeyCash | Unlimited (no annual cap) | • Expedia • Hotels.com • Vrbo |
| gas stations | 3% OneKeyCash | Unlimited (no annual cap) | Earn 3% in OneKeyCash at gas stations |
| grocery | 3% OneKeyCash | Unlimited (no annual cap) | Earn 3% in OneKeyCash at gas stations, grocery stores, and dining. |
| dining | 3% OneKeyCash | Unlimited (no annual cap) | Earn 3% in OneKeyCash at dining. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
18.49% – 28.49%
CASH ADVANCE APR
29.99% – 29.99%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
One Key Silver Status
- ✓Receive automatic Silver tier status, offering savings of 15% or more on eligible hotels and perks like priority travel support.
- ✓Must have an active One Key account linked to the card
Cell Phone Protection
- ✓Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with the card.
- ✓Pay monthly bill with the card
- ✓$25 deductible applies
- ✓Lost phones
Security Features
- ✓Zero Liability Protection – Protection against unauthorized transactions.
Best Use Cases
IDEAL FOR
- Loyal users of Expedia, Hotels.com, and Vrbo
- Travelers who want solid rewards (3%) on dining, gas, and groceries with no annual fee
- Those seeking automatic elite status (Silver) without staying a certain number of nights
NOT RECOMMENDED FOR
- Travelers who prefer direct airline or hotel bookings (earns less OneKeyCash)
- Those who want cash back (OneKeyCash can only be used on the platform)
- Carrying a balance (high variable APR)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $250.00 bonus
- Effective 25% return on first $1,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 3% OneKeyCash on One Key Brands
- 3% OneKeyCash on gas stations
- 3% OneKeyCash on grocery
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-642-4720
Terms subject to change · View full terms
Last updated: Feb 18, 2026
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