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Wells Fargo One Key+ Credit Card Review (2025)
One Key is the shared rewards program of Expedia, Hotels.com and Vrbo and it now operates with the OneKeyCash currency, which acts the same as actual cash when booking through any of the three. While the new One Key cards haven’t made much of splash since their release, the One Key+ could be a surprisingly […] The post Wells Fargo One Key+ Credit Card Review (2025) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.
One Key is the shared rewards program of Expedia, Hotels.com and Vrbo and it now operates with the OneKeyCash currency, which acts the same as actual cash when booking through any of the three. While the new One Key cards haven’t made much of splash since their release, the One Key+ could be a surprisingly attractive card for folks who engage with any or all of the three platforms regularly.
Wells Fargo One Key+ Welcome Offer
| Card Offer and Details |
|---|
$600 OneKeyCash Non-Affiliate $600 OneKeyCash after $3K spend in first 3 months$99 Annual Fee FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 7x earning at Expedia could be valuable for some. Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Gold status ✦ $100 OneKeyCash anniversary bonus ✦ $120 annual Global Entry/TSA Precheck credit ✦ Trip insurance ✦ Primary rental car insurance ✦ Cell phone Protection ($25 deductible, $1000 max per claim) |
Mastercard
Wells Fargo One Key+ Review
The One Key+ could be a very appealing card for folks who use Expedia, Hotels.com and Vrbo frequently. The bonus categories are impressive: 3% Expedia, Hotels.com, Vrbo, gas/grocery/dining and 2% everywhere else. That’s a terrific combo and makes it competitive with just about any cash back card…with the caveat that the resulting OneKeyCash must be used in the three included programs. There’s a $100 annual OneKeyCash bonus that more or less covers the annual fee, and you get automatic One Key Gold status and primary rental car insurance to boot. Folks who don’t use these platforms often and/or prefer transferable currency might be better served by taking a gander at the Autograph Journey if dipping their toes “into the Wells.” But, One Key fans should take a look.
- Annual Fee: $99
- Authorized User Annual Fee: Free
- Foreign Transaction Fee: None
- What points are worth: The One Key+ card earns OneKeyCash. This can be used to make bookings on Expedia, Hotels.com and Vrbo. $1 in OneKeyCash is worth $1 towards a booking on any of those platforms. Since it can’t be used outside of those platforms, we value it at slightly less than face value, at 0.9 cents each.
- Best Use for Points: OneKeyCash is extremely flexible in that you can use it like cash for almost anything that’s can be booked through Expedia, Hotels.com or Vrbo. It’s worth noting that you’ll miss out on whatever rewards you might have earned by putting those charges on a credit card.
- Earning Categories:
- 3% back at Expedia, Hotels.com, Vrbo, gas stations, grocery stores, restaurants and food delivery
- 2% back everywhere else
- Perks:
- One Key Gold Status – 4% back at Hotels.com and Expedia with savings of 20% or more on over 10,000 hotels worldwide, perks and upgrades and VIP Access properties, free One Key Price Drop protection on flights
- $100 in OneKeyCash at each cardholder anniversary
- $120 TSA Precheck/Global Entry once every four years
- Travel Protections:
- Auto Rental Coverage: Primary auto rental CDW (collision damage waiver). Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad up to $50,000 max.
- Travel Accident Insurance: Good for up to $1,000,000 on accidental loss of life, limb, sight, speech, or hearing.
- Travel Cancellation/Interruption Insurance: Up to $5,000 for common carrier tickets if the trip is canceled for a covered reason.
- Purchase Protections:
- Cell Phone Coverage: $25 deductible, $1000 max per claim, 2 claims max per year (must pay for your cell bill with card).
- Who’s this card for? Folks who use the included platforms consistently (or who have reason to).
- Is the Wells Fargo One Key+ a keeper? If this is card is worth getting, it’s probably worth keeping. The annual $100 anniversary bonus effectively makes it a net, no annual fee card…and given that you get the increased earnings at One Key programs, Gold status and primary car insurance, I’m not sure why you’d wouldn’t want to keep it.
Wells Fargo One Key+ Pros and Cons
Pros
- 2x earning on all purchases
- 3x on gas, grocery and dining is a great combination
- $100 in annual OneKeyCash more or less offsets the annual fee
- Earnings are very flexible when redeemed through one of the three OneKey platforms
- Primary rental car insurance on a card with essentially no net annual fee is terrific
Cons
- Rewards can only be used at Expedia, Hotels.com and Vrbo
- No transferable partners
- Welcome offer is relatively modest
Related Cards
| Card Offer and Details |
|---|
$600 OneKeyCash Non-Affiliate $600 OneKeyCash after $3K spend in first 3 months$99 Annual Fee FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 7x earning at Expedia could be valuable for some. Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Gold status ✦ $100 OneKeyCash anniversary bonus ✦ $120 annual Global Entry/TSA Precheck credit ✦ Trip insurance ✦ Primary rental car insurance ✦ Cell phone Protection ($25 deductible, $1000 max per claim) |
$400 OneKeyCash Non-Affiliate $400 OneKeyCash after $1K spend in first 3 monthsNo Annual Fee FM Mini Review: Good reward categories for a card with no annual fee. Could be a winner for folks who use Expedia, Hotels.com and/or vrbo frequently Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 1.5X everywhere else Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees. Noteworthy perks: Automatic Silver status ✦ Cell phone Protection ($25 deductible, $1000 max per claim) ✦ Trip insurance ✦ Primary rental car insurance |
Wells Fargo Application Tips
- 1/6 Rule: Officially, Wells Fargo states that it may not approve you for a new credit card if you've opened one with the bank within the last six months. In practice, both seem inconsistently applied, especially for those with a Wells Fargo bank account. Business and consumer cards operate on separate tracks regarding those velocity limits.
- 5/24 Rule: It appears that Wells Fargo has now instituted a 5/24 rule that's very similar to Chase: if you have opened more that 5 new personal credit cards with any bank within the last 24 months you won't be approved for a new WF card. Like Chase, business cards don't seem to count but, unlike Chase, authorized users do and can't be removed via reconsideration. There do seem to be folks above 5/24 that are approved for new Wells Fargo cards, so it doesn't see ironclad (again, like Chase).
- Velocity Limits: Wells will allow you to earn a welcome offer on the same card every 48 months, with one exception: you can earn the welcome bonus on Choice Privileges cards every 15 months.
- Card Limits: Wells Fargo doesn't have a limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (800) 967-9521 to check your application status
- Reconsideration: If denied, call (800) 967-9521 and ask for your application to be reconsidered.
The post Wells Fargo One Key+ Credit Card Review (2025) appeared first on Frequent Miler. Frequent Miler may receive compensation from CHASE. American Express, Capital One, or other partners.
