Wells Fargo One Key™ Card

The Wells Fargo One Key™ Card is a travel rewards card designed for people who use Expedia, Hotels.com, or Vrbo when traveling. One Key is the loyalty program for Expedia, Hotels.com, and Vrbo, and Wells Fargo now has a credit card so you can rack up OneKeyCash to spend on your next vacation.

There is a great welcome offer, and you can earn up to 9% OneKeyCash when booking on Expedia and Hotels.com, and up to 5% OneKeyCash on Vrbo, but only if you’re a Platinum member (platinum members need to book at least 30 “trip elements” each year). This credit card automatically gets you to Silver status, which earns 3% OneKeyCash on trips booked with Expedia, Hotels.com, and Vrbo.

The rewards are uncapped, and cell phone protection is included. OneKeyCash is also not redeemable for cash. Instead, you can use it on Expedia, Hotels.com, and Vrbo U.S. properties. For people who travel often and already look to Expedia, Hotels.com, or Vrbo for their vacation, this card is a great choice. We dive into the details and your approval odds in this One Key Card review.

Wells Fargo One Key Card

Our Rating

3.8/5.0

Welcome Offer

Earn $400 in OneKeyCash™

Annual Fee

$0

0% Intro on Purchases

None

Reward Rate

1.5% to 9% in OneKeyCash

0% Intro on Balance Transfers

None

Welcome Offer

Earn $400 in OneKeyCash™ after spending $1,000 on purchases in the first three months.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Garmin Pay, PayPal
BenefitsCell Phone Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Travel Accident Insurance, Trip Cancellation Insurance

Rewards

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other eligible purchases
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores
3% cash back
Dining
Earn 3% cash back at restaurants and on food delivery
3% cash back
Gas
Earn 3% cash back at gas stations
5% cash back
Select Categories
Up to 5% cash back on Vrbo
9% cash back
Select Categories
Earn up to 9% cash back on Expedia and Hotels.com

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR20.24%, 25.24%, or 29.99% (V) APR

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
Cons
  • High APR
  • Requires good credit
  • OneKeyCash is not redeemable for cash and can only be used on Expedia, Hotels.com and Vrbo

What Are the Best Alternatives?

U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank Altitude® Connect Visa Signature® Card

Rating

4.8

Rewards Range

1x - 5x points

Annual Fee

$0

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

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