With no annual fee and a robust lineup of perks, the One Key Card fits both frequent travelers and everyday spenders. You’re automatically elevated to One Key Silver status, unlocking member-only savings and on-trip benefits right away.
Pair that with a strong welcome offer and bonus earning on high-usage categories, and you’ve got a fast track to your next getaway. It’s time to centralize your travel rewards into one simple currency and explore on your terms.
Benefits: Your Key to Exceptional Value
The Wells Fargo One Key Credit Card delivers meaningful value—combining accelerated earnings on travel and daily purchases with practical protections.
- Annual Fee: $0 — Access the full One Key rewards ecosystem and card benefits without paying a yearly fee.
- Welcome Offer — Jump-start your travel fund: earn $300 in OneKeyCash after $1,000 in purchases within the first 3 months.
- One Key Travel Earn Rate — Score 3% back in OneKeyCash on eligible bookings made directly with Expedia, Hotels.com, and Vrbo—great for flights, hotels, rental cars, and vacation stays.
- Everyday Category Bonuses — Also earn 3% back in OneKeyCash at gas stations, grocery stores, and on dining (restaurants, takeout, delivery).
- Base Earnings — Get a steady 1.5% back in OneKeyCash on all other purchases outside the bonus categories.
- Automatic One Key Silver — Enjoy instant status for member-only prices (often 15%+ off at thousands of hotels) and select VIP Access property perks.
- Foreign Transaction Fees: $0 — Avoid the typical ~3% surcharge when shopping abroad or on international sites.
- Straightforward Redemption — Treat OneKeyCash like cash at checkout on Expedia, Hotels.com, and Vrbo.
- Visa Signature Advantages — Access the Visa Signature Luxury Hotel Collection benefits and 24/7 Concierge for travel and entertainment assistance.
Who Can Apply: Eligibility Guidelines
- Age: 18+
- Residency: Legal U.S. resident with a valid physical address
- SSN / ITIN: A U.S. Social Security Number or, in many cases, an ITIN (useful for newer U.S. residents)
- Credit Profile: Good to excellent credit generally recommended (around 670+ FICO)
- Wells Fargo Timing Rule: You may be ineligible if you’ve opened another Wells Fargo credit card within the past 6 months.
How to Apply: Step-by-Step
Applying online is quick and simple.
- Visit Wells Fargo’s credit cards page.
- Create a One Key™ account (Expedia, Hotels.com, or Vrbo) so your card can link rewards properly.
- Click Apply Now (a pre-qualification check may be available without impacting your credit).
- Enter your details: name, U.S. address, DOB, SSN/ITIN, income, and employment.
- Authorize the hard credit inquiry required for approval.
- Review and submit your application.
- Get a decision—often in seconds. If more time is needed, Wells Fargo will follow up by mail.
Frequently Asked Questions (U.S.)
How much is OneKeyCash worth?
$1 in OneKeyCash = $1 off eligible bookings on Expedia, Hotels.com, or Vrbo.
Do I need a One Key account before applying?
Yes. Membership is free and required to receive and use OneKeyCash. Enroll via Expedia, Hotels.com, or Vrbo.
What does Silver status include?
Silver unlocks Member Prices (often 15%+ savings) at thousands of hotels and may include extras like food-and-beverage credits at select VIP Access properties.
Can I use OneKeyCash to book for someone else?
Yes. You can apply your OneKeyCash to travel for family or friends.
