The One Key+™ Card Mastercard
$350 OneKeyCash after you spend $3,000 in 3 months. $99 a year.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn $350 in OneKeyCash trademark ™ after you spend $3,000 on purchases in the first 3 months.”
- Annual fee
- Issuer's pagewellsfargo.com
“$99 Annual Fee”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pagewellsfargo.com
“No foreign transaction fee”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $205 | $200 |
| Typical spender | $635 | $635 |
| Heavy spender | $1,440 | $1,435 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 100% of the 650 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$350 cash
After you spend $3,000 on purchases in your first 3 months.
The bonus posts within 1–2 billing periods after it is earned.
Spending it takes$1,000 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · One Key
- 3%eligible accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo
- 3%gas stations, automated fuel dispensers, and electric vehicle charging stations
- 3%grocery stores, supermarkets, delis and bakeries
- 3%eating places and restaurants, drinking places, fast food restaurants, and/or caterers
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$99 Annual Fee” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagewellsfargo.com “No foreign transaction fee” |
Carrying a balance? See how long it takes to pay off
Benefits
- Trusted Traveler Program credit: $120 every 4 years
- Up to $120 statement credit every four years for a Trusted Traveler Program application or renewal fee.
- Automatic One Key Gold tier for the primary cardholder while the One Key+ account remains open, subject to having a One Key account created on the U.S. version of Expedia, Hotels.com, or Vrbo and linked to the active card.
- Platinum tier after at least $30,000 in net purchases on the card in a calendar year.
- Gold Member Prices provide savings of 20% or more on over 10,000 hotels worldwide.
- No foreign transaction fee for purchases converted to U.S. dollars.
- Cell phone: Up to $1,000 per approved claim
- Trip cancellation
- Rental car: Up to $50,000
- Travel accident: Up to $1,000,000
Questions
- What is the annual fee?
- $99 wellsfargo.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. wellsfargo.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–28.49% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- $350 cash back after $3,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other cash back cards with fees up to $100
- Blue Cash PreferredAmerican Express · $95 a year−$80 a year
- Credit One Bank WanderCredit One · $95 a year−$120 a year
- SavorOne RewardsCapital One · $39 a year−$160 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).