All information about the One Key™ Card has been collected independently by CardCritics™
One Key™ Card Review
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Written by
Karen Doyle
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Edited by
Emily Gadd
The One Key™ Card from Wells Fargo is a Mastercard that provides many benefits for travelers who use Expedia, Hotels.com or Vrbo to book their accommodations. It offers rewards when you use it on these sites, and those rewards can be redeemed on future bookings on the same sites.
Welcome Bonus
$300 Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Rewards
1.5% – 3% Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
Purchase and Balance Transfer APR
19.24%, 24.24%, or 29.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Annual Fee
$0
CardCritics™ Opinion
The One Key™ Card is a solid choice for travelers who use Expedia, Hotels.com or Vrbo to book their accommodations. There is a very impressive welcome bonus, 3% back on a long list of popular categories, 1.5% on your other purchases, and no annual fee.
Our Critical Analysis:
One Key™ Card
- No annual fee
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo,
- 3% OneKeyCash on gas, groceries, restaurants and food delivery
- 1.5% OneKeyCash on other purchases
- Travel benefits
PROS
- OneKeyCash can only be used on Expedia, Hotels.com and Vrbo
- No introductory interest rate
CONS
Rewards
The One Key Card provides rewards in the form of OneKeyCash, which can only be used when booking on Expedia, Hotels.com, and Vrbo. If you use these sites and travel frequently, you can save quite a bit with the One Key Card.
When you book on Expedia, Hotels.com or Vrbo and pay with the One Key Card, you will earn 3% OneKeyCash.
You also earn 3% when you shop at:
- Grocery stores
- Gas stations
- Restaurants
- Food delivery apps
On your other purchases, you will earn 1.5% OneKeyCash. Most cards that offer a higher rate on specific categories only offer a flat 1% back on all other purchases so earning 1.5% is another stand-out feature of this card.
Welcome Bonus
Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Interest Rate
There is no introductory interest rate on the One Key Card, so all charges are subject to interest if you don’t pay them off before the end of the billing cycle.
Depending on your creditworthiness, the APR is: 19.24%, 24.24%, or 29.24% Variable APR
Rewards Redemption Options
You can only redeem OneKeyCash when booking on Expedia, Hotels.com or Vrbo. This is true of all rewards, not just those earned at these sites. There’s also no cash back that can be used to reduce your balance. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Travel Benefits
The Wells Fargo One Key Card is built for travelers, and carries many benefits that are designed for those who are on the move. These include:
- No foreign transaction fees for purchases converted to U.S. dollars
- Trip cancellation and interruption protection up to $5,000 if your trip is cancelled for a covered reason
- Auto rental collision damage waiver for reimbursement up to $50,000 if your rental car is damaged or stolen
- Travel accident insurance up to $1,000,000 when you purchase your airline, train, or other common carrier ticket with your One Key Card.
What Makes the Wells Fargo One Key Card Stand Out?
You can’t beat the rewards on this card if you use the available booking websites frequently. Plus, there’s no annual fee.
Is It the Right Card For You?
The Wells Fargo One Key Card may be the right fit for you if any of the following apply:
- You use Expedia, Hotels.com or Vrbo to book your accommodations
- You travel frequently
- You don’t want to pay an annual fee
- You pay your balance in full each month
Card Details From Wells Fargo
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
- $0 annual fee.
- Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
- No foreign transaction fees.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Frequently Asked Questions
What credit score is needed for the One Key Card?
The One Key Card requires good to excellent credit. Typically a FICO credit score of 670 or above meets this criteria. However, having a credit score of 670 or above does not guarantee approval since other factors are taken into consideration.
Does the One Key Card charge an annual fee?
No. The One Key Card does not charge an annual fee.
Does the One Key Card charge a foreign transaction fee?
No. The One Key Card does not charge a foreign transaction fee, making it a great option for spending abroad.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
