The One Key™ Card No Annual Fee Credit Card
$250 OneKeyCash after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn $250 in OneKeyCash trademark ™ after you spend $1,000 on purchases in the first 3 months 1”
- Annual fee
- Issuer's pagewellsfargo.com
“$0 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
The source states this figure; we have no exact sentence on file yet.
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 | $270 | $270 |
| Typical spender | $650 | $650 |
| Heavy spender | $1,315 | $1,315 |
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.
- No annual fee, like about 85% of the 626 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
$250 cash
After you spend $1,000 on purchases in your first 3 months.
The OneKeyCash earned through the introductory offer will post within 1–2 billing periods after it is earned. Offers may differ by marketing channel, and you must select Check now to take advantage of the offer.
How you earn · OneKeyCash
- 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
- 1.5%Everything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 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 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Automatic One Key Silver tier for the primary cardholder while the One Key Mastercard is open, subject to One Key membership and an active One Key account linked to the card.
- Gold tier when at least $15,000 in net purchases are made on the card in a calendar year.
- No foreign transaction fee for purchases converted to U.S. dollars.
- Silver Member Prices provide savings of 15% or more on over 10,000 hotels worldwide.
- OneKeyCash can be used to pay for eligible bookings on Expedia, Hotels.com, and Vrbo.
- Cell phone: $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?
- $0 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?
- $250 cash back after $1,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$60 a year
- West Elm Key Rewards VisaCapital One · No annual fee−$25 a year
- Williams Sonoma Key Rewards VisaCapital One · No annual fee−$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).