Wells Fargo One Key Card
No annual fee, earning OneKeyCash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Wells Fargo One Key Card is a no annual fee card from Wells Fargo earning OneKeyCash. It earns 3x on expedia/hotels.com/vrbo, 3x on dining, 3x on grocery and 1.5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Wells Fargo advertises. We do not convert them into a percentage return, because that requires putting a price on OneKeyCash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Expedia/Hotels.com/Vrbo | 3x | |
| Dining | 3x | |
| Grocery | 3x | |
| Gas | 3x | |
| Other | 1.5x | Everything else |
Status and included memberships
- One Key Silver Status — Automatic One Key Silver elite status as long as you hold the card. Silver status includes: 15% or more savings on over 10,000 hotels worldwide, 50% more OneKeyCash on VIP Access properties on Expedia and Hotels.com, extra perks like food and beverage at select VIP Access properties, priority traveler support, and free flight price tracking on the Expedia app.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Cell phone protection covers damage, theft, or loss for up to $1,000 per claim when you pay your monthly cell phone bill with your One Key Card. Subject to a $25 deductible per claim, with a maximum of 2 claims per 12-month period.
- Travel Accident Insurance — Travel accident insurance provides up to $1,000,000 in coverage for loss of life, limb, sight, speech, or hearing resulting from a covered accident while traveling on a common carrier (airline, bus, cruise ship, or train) when the entire fare is charged to the card.
- Trip Cancellation/Interruption Insurance — Trip cancellation and interruption insurance reimburses up to $5,000 per covered person per trip for non-refundable, prepaid trip expenses if you need to cancel or interrupt your trip for a covered reason. Maximum of $20,000 per account per 12-month period. Must pay for the entire trip with the card.
- Auto Rental Collision Damage Waiver — Primary auto rental collision damage waiver covers up to $50,000 for damage to or theft of a rental vehicle when you reserve and pay for the entire rental with your card and decline the rental agency's CDW/LDW insurance. Primary coverage available worldwide except in Israel, Jamaica, the Republic of Ireland, and Northern Ireland.
Questions people ask about the Wells Fargo One Key Card
What is the annual fee on the Wells Fargo One Key Card?
The Wells Fargo One Key Card has no annual fee.
What does the Wells Fargo One Key Card earn?
3x on expedia/hotels.com/vrbo, 3x on dining, 3x on grocery, 3x on gas, and 1.5x on everything else, in OneKeyCash.
Does the Wells Fargo One Key Card charge foreign transaction fees?
No — the Wells Fargo One Key Card has no foreign transaction fee.
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