Wells Fargo
One Key+™ Card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | Earn $350 in OneKeyCash |
| Rewards Rate | 2%-3% in OneKeyCash |
| Network | Mastercard |
About this card
Based on the provided individual ratings, the One Key+™ Card presents a good overall value proposition, particularly for its specific target audience. The card truly excels in its fee structure, receiving an outstanding 4.5/5.0. The $99 annual fee is effectively negated by a $100 anniversary OneKeyCash bonus and a $120 Trusted Traveler Program credit, making it an exceptionally low-cost card for those who utilize these benefits. The absence of foreign transaction fees further solidifies its appeal for travelers. The rewards program is also quite strong, earning a 3.8/5.0. It offers excellent earning rates (3% on Expedia Group platforms, gas, groceries, dining, and 2% on other purchases) and a generous $350 sign-up bonus. Automatic elite status and various travel protections add significant value. However, a major limitation is the restricted redemption of OneKeyCash solely to Expedia, Hotels.com, and Vrbo, which significantly limits flexibility for many consumers. The most significant drawback is the complete lack of transparent APR information, leading to a low APR rating of 2.5/5.0. This absence of critical detail makes it impossible to assess the true cost of carrying a balance and introduces an unacceptable level of uncertainty for potential cardholders. While the card is highly competitive for individuals who frequently book travel through Expedia Group platforms and can fully leverage its benefits, the undisclosed APR and niche redemption options prevent it from achieving an 'Excellent' rating. It's a solid option for its intended users, but the APR transparency issue is a notable weakness. It is also crucial to acknowledge the user's reputation analysis which states that this card appears not to exist, which would inherently invalidate any real-world rating or recommendation. For the purpose of this exercise, however, the rating is based strictly on the provided individual data points.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
- Travel and lifestyle credits
- Travel and purchase protections
Things to consider
- Annual fee
What this card offers
Sign-up bonuses
- Earn $350 in OneKeyCash after you spend $3,000 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
- 2% on other purchases
Other features
- Automatic Gold
- With Gold Member Prices, get savings of 20% or more on over 10,000 hotels worldwide.
- Unlock Platinum when you spend $30,000 per calendar year.
- Get $100 in OneKeyCash each year upon your Cardholder anniversary
- Receive one statement credit up to $120 for a Trusted Traveler Program, such as Global Entry® or TSA PreCheck®
- 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.
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Check now to take advantage of this offer. 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.