Wells Fargo One Key™ Card

5.0 10.0/10 DebitCue Score Verified Jun 20, 2026

No-annual-fee Expedia travel card with 3% rewards

Fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free: -
Foreign fee: None

Rewards

3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and dining; 1.5% on all other purchases. OneKeyCash redeemable only on Expedia Group sites.

Welcome offer

$250 in OneKeyCash after $1,000 in purchases within the first 3 months from account opening.

Our verdict

What stands out, and where it falls short.

What we like

3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at…
Welcome bonus
No card fee
No foreign transaction fees
Travel insurance included

Who It Is For

Whether the Wells Fargo One Key™ Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 18.49% - 28.49%
Interest-free period: -
Foreign transaction fee: None
Regular APR: 18.49%, 23.49%, or 28.49% Variable

Rewards and features

Rewards: 3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and dining; 1.5% on all other purchases. OneKeyCash redeemable only on Expedia Group sites.
Welcome offer: $250 in OneKeyCash after $1,000 in purchases within the first 3 months from account opening.
Pay with: Apple Pay, Google Pay, Contactless
Rewards Currency: OneKeyCash — redeemable only on Expedia, Hotels.com, and Vrbo
Loyalty Status: Automatic Silver status in One Key loyalty program (15%+ savings on participating hotels)

Benefits and perks

Extras that come bundled with the card.

Trip Cancellation/Interruption Insurance

Up to $5,000 per covered traveler for non-refundable trip costs cancelled for a covered reason.
Primary Rental Car Collision Damage Waiver

Primary rental car insurance up to $50,000 for theft and damage.
Travel Accident Insurance

Travel accident coverage while in transit.
Cell Phone Protection

Up to $1,000 coverage against damage or theft when you pay your monthly cell phone bill with the card; $25 deductible.
No Foreign Transaction Fees

Zero foreign transaction fee on international purchases.

Eligibility

What you need before you apply.

Credit Recommended: Good to excellent (670+ FICO)

Wells Fargo One Key™ Card: your questions answered

Does the Wells Fargo One Key™ Card have a card fee?

No - the Wells Fargo One Key™ Card has no card fee.

What rewards does the Wells Fargo One Key™ Card earn?

The Wells Fargo One Key™ Card earns 3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and dining; 1.5% on all other purchases. OneKeyCash redeemable only on Expedia Group sites..

Does the Wells Fargo One Key™ Card charge foreign transaction fees?

No - the Wells Fargo One Key™ Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Wells Fargo One Key™ Card?

The Wells Fargo One Key™ Card has a purchase APR of 18.49% - 28.49%.

Does the Wells Fargo One Key™ Card have a welcome offer?

Yes - $250 in OneKeyCash after $1,000 in purchases within the first 3 months from account opening..

Is the Wells Fargo One Key™ Card a credit, debit or prepaid card?

The Wells Fargo One Key™ Card is a credit card issued by Wells Fargo on the Mastercard network.

Does the Wells Fargo One Key™ Card support Apple Pay and Google Pay?

Yes - the Wells Fargo One Key™ Card works with both Apple Pay and Google Pay.

Where can I get the Wells Fargo One Key™ Card?

The Wells Fargo One Key™ Card is currently offered in United States.