Wells Fargo One Key+ Card
$99/year, 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 $99/year card from Wells Fargo earning OneKeyCash. It earns 3x on expedia/hotels.com/vrbo, 3x on dining, 3x on grocery and 2x on everything else. It carries 2 recurring statement credits worth $130 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
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 | 2x | Everything else |
Statement credits
$130 a year across 2 credits against a $99 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Status and included memberships
- One Key Gold Status — Automatic One Key Gold elite status as long as you hold the card. Gold status includes: 20% or more savings on over 10,000 hotels worldwide, 4% OneKeyCash on VIP Access property stays booked on Expedia and Hotels.com, room upgrades and food/beverage extras at select VIP Access properties, free Price Drop Protection on select flights, and priority traveler support.
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 ($2,000 max per year).
- 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. Coverage for up to 31 consecutive days. Available worldwide except in Israel, Jamaica, the Republic of Ireland, and Northern Ireland.
- Trip Cancellation/Interruption Insurance — Trip cancellation and interruption insurance reimburses up to $5,000 per covered person per trip for non-refundable, prepaid common carrier expenses if you need to cancel or interrupt your trip for a covered reason. Maximum of $20,000 per account per 12-month period. Covers cardholder, spouse/domestic partner, and dependent children.
- 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.
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 a $99 annual fee.
What statement credits does the Wells Fargo One Key+ Card include?
It carries 2 recurring statement credits worth $130 a year in total: $100 Anniversary OneKeyCash Bonus ($100, resets on the calendar year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
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 2x on everything else, in OneKeyCash.
Is the Wells Fargo One Key+ Card worth the annual fee?
Its recurring statement credits total $130 a year against a $99 fee, so the card pays for itself on credits alone if you use 77% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
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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