| Category | Rate | Type | Cap |
|---|---|---|---|
|
Expedia, Hotels.com, and Vrbo Bookings
3% in OneKeyCash on all eligible bookings through Expedia, Hotels.com, and Vrbo, including hotels, flights, car rentals, cruises, activities, vacation rentals, and event tickets; when combined with One Key loyalty program membership, Platinum tier members can earn up to 9% total on Expedia and Hotels.com VIP Access properties.
|
3x | Points | No cap |
|
Gas Stations
Unlimited 3% in OneKeyCash at gas stations and electric vehicle charging stations classified under the applicable Mastercard merchant code.
|
3x | Points | No cap |
|
Grocery Stores
Unlimited 3% in OneKeyCash at grocery stores and supermarkets classified under the applicable Mastercard merchant code.
|
3x | Points | No cap |
|
Dining
Unlimited 3% in OneKeyCash at restaurants, fast food, bars, food delivery, and catering classified under the applicable Mastercard restaurant merchant code.
|
3x | Points | No cap |
|
All Other Purchases
Unlimited 1.5% in OneKeyCash on all other net purchases not classified under a bonus category merchant code; cash equivalents, fees, and cash advances do not earn rewards.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The One Key™ Card carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
Wells Fargo charges no foreign transaction fee on international purchases made with this card, making it suitable for use when traveling abroad.
|
Financial |
$0
Up to $0
|
|
Cell Phone Protection
When the monthly wireless bill is paid with this card, cardholders receive coverage of up to $1,000 per claim against cell phone damage, theft, or loss, with a $25 deductible; limited to two paid claims per 12-month period.
|
Insurance |
Up to $1,000 per claim
Up to $1,000
|
|
Primary Auto Rental Collision Damage Waiver
Provides primary rental car collision and damage coverage when the rental is paid with this card and the cardholder declines the rental company's own insurance; covers physical damage and theft to the rental vehicle in the U.S. and abroad. This is primary coverage, not secondary.
|
Insurance | Primary coverage |
|
Free FICO® Credit Score Access
Cardholders can access their FICO® Score for free through their Wells Fargo Online account or mobile app on a monthly basis; checking does not impact the credit score.
|
Lifestyle | Complimentary |
|
1.5% OneKeyCash on All Other Purchases
Earn unlimited 1.5% in OneKeyCash on all other net purchases not classified under a bonus category merchant code; cash equivalents, fees, and cash advances do not earn rewards.
|
Rewards | 1.5% OneKeyCash |
|
3% OneKeyCash at Gas Stations
Earn unlimited 3% in OneKeyCash on purchases at gas stations and electric vehicle charging stations classified under the applicable Mastercard merchant code.
|
Rewards | 3% OneKeyCash |
|
3% OneKeyCash at Grocery Stores
Earn unlimited 3% in OneKeyCash on purchases at grocery stores and supermarkets classified under the applicable Mastercard merchant code.
|
Rewards | 3% OneKeyCash |
|
3% OneKeyCash on Dining
Earn unlimited 3% in OneKeyCash on purchases at restaurants, including fast food, bars, food delivery, and catering classified under the applicable Mastercard merchant code.
|
Rewards | 3% OneKeyCash |
|
3% OneKeyCash on Expedia, Hotels.com, and Vrbo
Earn 3% in OneKeyCash on all eligible bookings made through Expedia, Hotels.com, and Vrbo, including hotels, flights, car rentals, cruises, activities, vacation rentals, and event tickets.
|
Rewards | 3% OneKeyCash |
|
Welcome Bonus
Earn $300 in OneKeyCash after spending $1,000 in purchases within the first 3 months of account opening; OneKeyCash can only be used for eligible bookings on Expedia, Hotels.com, and Vrbo.
|
Rewards |
$300 in OneKeyCash
Up to $300
|
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized transactions made with their card or account information when reported promptly, subject to Wells Fargo's zero liability policy terms.
|
Security |
$0 liability
Up to $0
|
|
24/7 Roadside Dispatch
Cardholders have access to a 24/7 on-demand roadside dispatch network for emergency vehicle services including towing, fuel delivery, tire change, locksmith services, and winching; no membership required but cardholders are responsible for the cost of services rendered.
|
Travel | Complimentary dispatch access (services at cardholder's cost) |
|
Automatic One Key Silver Status
Cardholders automatically receive One Key Silver loyalty status, which provides a 15% discount on eligible hotel bookings at over 10,000 properties, priority traveler support, and food and beverage extras or other in-stay perks at select VIP Access properties.
|
Travel | Complimentary Silver status |
|
One Key Gold Status Upgrade via Spending
Cardholders who spend $15,000 in a calendar year on the card can earn an upgrade to One Key Gold status, which provides 20% or more savings on eligible hotel bookings, room upgrades when available at VIP Access properties, and price drop protection on eligible flight bookings.
|
Travel | Gold status with $15,000 annual spend |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage for the cardholder and eligible family members when common carrier travel is purchased with the card.
|
Travel |
Up to $500,000
Up to $500,000
|
|
Trip Cancellation and Interruption Protection
Reimburses non-refundable prepaid travel expenses if a covered trip is cancelled or interrupted due to a covered reason such as illness, severe weather, or death; the ticket must be purchased with the card.
|
Travel |
Up to $2,000 per covered trip
Up to $2,000
|
