Wells Fargo
One Key+™ Card
Key Features
| Annual Fee | $99.00 |
| Network | Mastercard |
About this card
The One Key+ Card is a mixed bag, balancing attractive rewards with a significant annual fee. The 3% rewards on travel, gas, groceries, and dining, along with the $400 sign-up bonus, offer good value. However, the $99 annual fee and limited redemption options primarily through Expedia, Hotels.com and Vrbo, hold it back. The added travel benefits like the Trusted Traveler Program credit and travel insurance are valuable, but the card is best suited for those who frequently use Expedia and can offset the annual fee with their spending. Considering the APR is unknown and the card targets those with good credit, the overall rating is tempered. Its strengths are solid rewards in specific categories and travel perks. Weaknesses include the annual fee, limited redemption flexibility, and the unknown APR which would directly impact the cards value proposition for most consumers.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic Gold Member Prices
- Anniversary bonus
Things to consider
- Annual fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn $400 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
- Use OneKeyCash to pay for eligible bookings on Expedia, Hotels.com and Vrbo
- 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
- 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.