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Card reviewWells Fargo
Updated Apr 16, 2026 · research
One Key+ Card
Wells FargoOne KeyEditorially reviewed

One Key+ Card

Earn 3% OneKeyCash on eligible purchases at Expedia, Hotels.com, Vrbo, gas stations, grocery stores, and dining; 2% on other purchases. $350 bonus after $3,000 spend in 3 months.

PremiumPersonal
Mastercard
$99
Annual fee
3% back expedia, hotels.com, vrbo
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

350 cashback

$350 estimated value

Spend $3,000 in 90 days

Verifiedproduct page
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Card Offers

public

350 cashback

Verified

$350 estimated value

Spend $3,000 in 90 days

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Earning Rates

Expedia, Hotels.com, Vrbo
3%cash back

Eligible net purchases on accommodation rentals, activities, car rentals, cruises, flights, hotels, packages booked through U.S. sites

Gas stations, grocery stores, dining
3%cash back

Net purchases at gas stations (including EV charging), grocery stores/supermarkets, delis/bakeries, restaurants/fast food/caterers

Other purchases
2%cash back

All other net purchases

Pros & Cons

Pros

  • Earns 3% OneKeyCash on travel bookings through Expedia, Hotels.com, and Vrbo, plus on gas, groceries, and dining
  • Flat 2% OneKeyCash on all other purchases provides solid baseline earning
  • Automatic One Key Gold status included with no spending threshold required
  • $100 annual OneKeyCash credit and up to $120 Trusted Traveler program credit can offset much of the $99 annual fee
  • No foreign transaction fees and meaningful travel protections including cell phone coverage

Cons

  • OneKeyCash is redeemable only on Expedia, Hotels.com, and Vrbo, limiting flexibility for non-ecosystem travelers
  • $99 annual fee is not waived in the first year
  • Rewards have no transfer partners and cannot be converted to cash, miles, or points in other programs
  • Elevated Platinum status requires $30,000 in annual spend, a high bar for most cardholders
  • TSA PreCheck and Global Entry credit period is not clearly specified in available terms

Key Takeaways

  • Earns 3% OneKeyCash on travel, gas, groceries, and dining; 2% on everything else
  • OneKeyCash can only be redeemed on Expedia, Hotels.com, and Vrbo bookings
  • Automatic One Key Gold status is included; Platinum requires $30,000 in annual spend
  • The $100 annual OneKeyCash credit and up to $120 Trusted Traveler credit can help offset the $99 annual fee
  • Cell phone protection up to $800 per claim is available when the monthly bill is paid with the card

Fees

Fee TypeAmount
Annual Fee$99
Foreign Transaction Fee0%

Card Benefits

7 benefits

Travel Insurance

Travel Credits

Elite Status

Statement Credits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Annual OneKeyCash Credit Nearly Covers the Fee

The $100 OneKeyCash credit posted each anniversary year effectively reduces the net annual fee to just $0 for cardholders who were already planning to book through the Expedia ecosystem. Most cardholders overlook this when evaluating the true cost of the card.

Cell Phone Protection With a Low Deductible

The card provides up to $800 per claim in cell phone protection against damage or theft simply by paying the monthly cell phone bill with the card, with only a $25 deductible. This is a practical benefit that can save cardholders hundreds of dollars on an otherwise uncovered loss.

Path to Platinum Status Through Everyday Spending

Because the 3% earning categories include gas stations, grocery stores, and dining alongside travel, everyday spending accumulates toward the $30,000 annual spend threshold needed to unlock One Key Platinum status, not just dedicated travel purchases.

Frequently Asked Questions

What is the annual fee for the One Key Card?
The One Key Card has a $99 annual fee. The fee is not waived for the first year, so it applies starting with account opening.
How does the welcome bonus work?
New cardholders can earn $350 in OneKeyCash after spending $3,000 on eligible purchases within the first 90 days of account opening. The bonus is credited as OneKeyCash, which is redeemable only on Expedia, Hotels.com, and Vrbo.
Where can I redeem OneKeyCash earned with this card?
OneKeyCash can only be redeemed on bookings made through Expedia, Hotels.com, and Vrbo. It cannot be redeemed for statement credits, cash back, gift cards, or transfers to other programs.
What earning rates does the One Key Card offer?
The card earns 3% OneKeyCash on eligible purchases at Expedia, Hotels.com, and Vrbo, as well as at gas stations, grocery stores, and dining establishments. All other purchases earn 2% OneKeyCash.
Does the One Key Card charge foreign transaction fees?
No, the One Key Card does not charge foreign transaction fees, making it a usable option for international travel spending.
What is One Key Gold status and how do I earn it?
Cardholders automatically receive One Key Gold status, which provides 20% or more savings on over 10,000 hotels. Spending $30,000 in a calendar year upgrades status to One Key Platinum.
Is there cell phone protection with this card?
Yes, the card provides cellular telephone protection of up to $800 per claim against damage or theft, subject to a $25 deductible, when the monthly cell phone bill is paid with the card. There is a maximum of 2 claims per 12 months and a $1,000 total limit per 12-month period.
What travel protections are included?
The card includes trip cancellation and interruption protection for nonrefundable common carrier fares, auto rental collision damage waiver coverage up to $50,000, and travel accident insurance up to $1,000,000 when tickets are purchased with the card. Details and covered reasons are outlined in the Guide to Benefits.
Does the card offer a Global Entry or TSA PreCheck credit?
Yes, the One Key Card offers up to a $120 statement credit for Global Entry or TSA PreCheck application fees. Cardholders should review the terms for the applicable reimbursement period.
Is there an annual OneKeyCash credit?
Yes, cardholders receive $100 in OneKeyCash each year on their cardholder anniversary. This credit is redeemable only on Expedia, Hotels.com, and Vrbo.

About This Card

The One Key Card is best suited for frequent travelers who regularly book through Expedia, Hotels.com, or Vrbo and want to consolidate their travel rewards within that ecosystem. It also works well for consumers who spend heavily on gas, groceries, and dining and are comfortable redeeming rewards exclusively through the One Key platform.

The Wells Fargo One Key+ Card is a travel rewards Mastercard that earns OneKeyCash on travel and everyday spending, redeemable only on Expedia, Hotels.com, and Vrbo. Features include automatic Gold status in One Key program, no foreign transaction fees, cell phone protection, trip cancellation insurance, auto rental coverage, and travel accident insurance.

The One Key Card stands out by bundling automatic Gold loyalty status, a $100 annual OneKeyCash credit, and a $120 Trusted Traveler credit into a $99 annual fee card, making it one of the more benefits-rich mid-tier travel cards for loyal Expedia ecosystem users.

Ready to Decide?

Apply for the One Key+ Card

350 cashback, worth about $350 estimated value, with a $99 annual fee.

Spend $3,000 in 90 days

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Reward Program

One Key

Earns Cash Back

Learn more

Card Categories

TravelCashback

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 7 of 7 benefits rated high confidence
  • 1 of 1 offer verified
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