$95
Annual fee
See the card
Card reviewWells Fargo
Updated Aug 13, 2026 · research
Wells FargoOneKeyCash
One Key+ Card
Earn 3% in OneKeyCash on eligible Expedia, Hotels.com, and Vrbo bookings, gas, groceries, and dining; 2% on other purchases.
PremiumPersonal
Mastercard
$99
Annual fee
3% back dining
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn $350
Spend $3,000 in 90 days
Verifiedproduct page
Card Offers
public
Earn $350
Spend $3,000 in 90 days
product page
Earning Rates
Dining
3%cash back
Applies to eligible net purchases at retailers classified by Mastercard as eating places and restaurants, drinking places, fast food restaurants, and/or caterers.
Eligible Expedia, Hotels.com, and Vrbo bookings
3%cash back
Eligible net purchases for accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo using the One Key+ Mastercard; exclusions apply.
Gas Stations
3%cash back
Applies to eligible net purchases at retailers classified by Mastercard as gas stations, automated fuel dispensers, and electric vehicle charging stations.
Grocery stores
3%cash back
Applies to eligible net purchases at retailers classified by Mastercard as grocery stores, supermarkets, delis, and bakeries.
Other purchases
2%cash back
Cash advances and cash equivalents do not earn OneKeyCash.
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 Type | Amount |
|---|---|
| Annual Fee | $99 |
| Foreign Transaction Fee | 0% |
Card Benefits
8 benefits (6 strong or better)
Travel Insurance
Travel Credits
Elite Status
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
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 One Key+ Card is a Wells Fargo-issued World Elite Mastercard that earns OneKeyCash on eligible Expedia, Hotels.com, and Vrbo bookings, gas, groceries, dining, and other purchases. It includes automatic One Key Gold status, a $100 annual OneKeyCash anniversary bonus, up to a $120 Trusted Traveler Program statement credit every four years, no foreign transaction fees, and selected travel and cell-phone protections.
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
Earn $350 with a $99 annual fee.
Spend $3,000 in 90 days
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