Card reviewWells Fargo
Updated Jul 27, 2026 · research
WF
Wells FargoOne Key

Wells Fargo One Key™ Card

Earn $250 in OneKeyCash after spending $1,000 in the first 3 months with a $0 annual fee.

Entry LevelPersonal
Mastercard
$0
Annual fee
3% back dining
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

Earn $250

Spend $1,000 in 90 days

Verifiedlanding page

Card Offers

public

Earn $250

Verified

Spend $1,000 in 90 days

landing page

Earning Rates

Dining
3%cash back

Eating places and restaurants, drinking places, fast food restaurants, and/or caterers.

Expedia, Hotels.com, and Vrbo
3%cash back

Eligible net purchases resulting from eligible accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo.

Gas Stations
3%cash back

Gas stations, automated fuel dispensers, and electric vehicle charging stations.

Groceries
3%cash back

Grocery stores, supermarkets, delis, and bakeries.

Other purchases
1.5%cash back

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee0%

Card Benefits

5 benefits (3 strong or better) including 1 hidden gems

Travel Insurance

Elite Status

Purchase Protection

Coverage Tier Legend

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

About This Card

The One Key™ Card from Wells Fargo allows cardmembers to earn rewards on Expedia, Hotels.com, and Vrbo, plus everyday spending like gas stations, grocery stores, and dining, all with no annual fee and automated Silver membership tier status.

Ready to Decide?

Apply for the Wells Fargo One Key™ Card

Earn $250 with no annual fee.

Spend $1,000 in 90 days

Rewards program

One Key

Earns Cash Back

Card Categories

TravelCash backNo Annual FeeNo Foreign Transaction FeeDining

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's checked

Analyzed by the Rewardopedia Engine.

Data Quality
  • 5 of 5 benefits rated high confidence
  • 5 source citations across benefits
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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