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One Key+™ Card: Great for the deal-hunting traveler

 /  16 min
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Snapshot

3.9

Bankrate rating
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Rating: 3.9 stars out of 5

Bottom line

Savvy travelers shopping for budget deals on third-party websites will rejoice for this card’s boosted rewards rates for purchases with Expedia® and its partners. However, everyday travelers who value brand loyalty and flexible credit card perks will struggle to make the most of this card.

Best for One Key fans

Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

Earn $600 in OneKeyCash™

Rewards rate

2% - 3%

Annual fee

$99

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

3.9

Bankrate score

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Rewards value

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5.0 / 5

APR

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3.0 / 5

Rewards flexibility

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2.0 / 5

Features

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3.0 / 5
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Wells Fargo One Key+ Card overview

  • Credit Card With Dollar Sign Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon

    Rates and fees

  • Congrats Icon

    Other cardholder perks

One Key+ Card pros and cons

Pros

  • Checkmark Icon

    Highly rewarding for travel enthusiasts who shop around on third-party websites for travel packages.

  • Checkmark Icon

    The value of its OneKeyCash annual credit on your cardholder account anniversary can make the annual fee worthwhile for fans of Expedia, Vrbo and Hotels.com.

Cons

  • Its annual fee will be difficult to justify if you don’t use Expedia, Vrbo or Hotels.com regularly.

  • Lacks intro APR offers for balance transfers and new purchases, making it a poor choice for debt management.

  • Its restrictive redemption options will make it hard for everyday cardholders to access rewards.

  • You won’t earn airline miles or hotel points, which are sometimes more valuable than credit card rewards.

Why you might want the One Key+ Card

Why you might want a different rewards card

First-year value vs. ongoing value

How the One Key+ Card compares to other rewards cards

Image of One Key+™ Card

Annual fee

$99

Intro offer

Earn $600 in OneKeyCash™
Info Icon

Rewards rate

2% - 3%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Chase Sapphire Preferred® Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$95

Intro offer

60,000 bonus points
Info Icon

Rewards rate

1x - 5x
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Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One Venture Rewards Credit Card

Annual fee

$95

Intro offer

Earn 75,000 miles
Info Icon

Rewards rate

2 Miles - 5 Miles
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Recommended Credit Score

Good to Excellent (670 – 850)
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Best cards to pair with the One Key+ Card

Who is the One Key+ Card right for?

Bankrate’s Take — Is the One Key+ Card worth it?

How we rated this card

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150+
cards rated
Congrats Icon
50+
rewards programs valued
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1800
data points analyzed
Credit Card With Star Icon
40+
perks evaluated

Frequently asked questions

Written by
Brendan Dyer
Writer, credit cards
Brendan Dyer is a Bankrate editor who writes and edits content for rewards, travel, cash back and business credit cards. He’s passionate about informing readers about the most innovative ways to use their credit cards and how synergistic multiple cards can be in the right hands.
Edited by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.