Wells Fargo
One Keytrademark™ Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $250 in OneKeyCash |
| Rewards Rate | 1.5%-3% OneKeyCash |
| Network | Mastercard |
About this card
The One Keytrademark™ Card presents a mixed value proposition, leading to a 'Good' overall rating of 3.0. Its primary strengths lie in its excellent fee structure, featuring a $0 annual fee and no foreign transaction fees, which is highly appealing for travelers. The rewards program offers competitive earning rates, with 3% back on Expedia, Hotels.com, Vrbo, gas, groceries, and dining, coupled with a generous $250 sign-up bonus for a no-annual-fee card. These aspects make it a solid choice for individuals deeply integrated into the Expedia Group's travel ecosystem. However, these significant advantages are heavily offset by critical drawbacks. The card receives a 'Poor' APR rating (1.5) due to the complete absence of an introductory APR offer and a notably high regular APR, making it an expensive option for anyone who carries a balance. This issue severely diminishes its overall value proposition for a significant portion of cardholders. Furthermore, while the earning rates are good, the rewards redemption is severely limited as OneKeyCash is exclusively redeemable within the Expedia, Hotels.com, and Vrbo platforms, lacking the flexibility offered by general-purpose travel rewards or cash back. While the provided 'Reputation Analysis' pointed to a potential discrepancy regarding the issuer (suggesting Capital One instead of Wells Fargo as detailed in the card data), this overall rating is based on the individual ratings and card details as provided, assuming Wells Fargo as the issuer. In summary, for a highly specific user who is loyal to Expedia brands and consistently pays their balance in full, this card offers good value. For a broader audience, the restrictive rewards and especially the high APR present substantial limitations, keeping its overall rating in the 'Good' but not higher range.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Travel protections
- Cell phone protection
- Automatic elite status
Things to consider
- No intro APR period
- Limited rewards redemption options
What this card offers
Sign-up bonuses
- Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months
Rewards
- 3% in OneKeyCash on Expedia, Hotels.com and Vrbo
- 3% at gas stations, grocery stores and on dining
- 1.5% on other purchases
Other features
- No foreign transaction fee
- Use your card when you travel and pay no foreign transaction fees for purchases converted to U.S. dollars.
- Cellular Telephone Protection
- Get up to $1,000 of cell phone protection against damage, theft, or unintended separation. Subject to a $25 deductible.
- Trip Cancellation and Interruption Protection
- Receive reimbursement for the nonrefundable cost of your common carrier fare if your trip is canceled or interrupted for a covered reason.
- Auto Rental Collision Damage Waiver
- Pay for rental transactions with your eligible credit card and receive reimbursement of up to $50,000 if covered damage to or theft of your eligible rental vehicle occurs.
- Travel Accident Insurance
- Get Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier tickets with your eligible credit card.
- Automatic Silver
- With Silver Member Prices, get savings of 15% or more on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
Additional Notes
OneKeyCash is not redeemable for cash and can only be used on Expedia, Hotels.com and Vrbo. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you opened a One Key, One Key+, or Hotels.com Card within the last 48 months from the date of the application even if that account is closed and has a $0 balance. You may not be eligible for this product if you currently have an open One Key or One Key+ Mastercard or Hotels.com Visa Signature account.