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One Key Cards

The most flexible way to earn OneKeyCash™

One Key™ Card

No annual fee

One Key+™ Card

$99 annual fee
+ $100 in OneKeyCash anniversary bonus. **
Check if you’re approved withno impact to your credit
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select check now to take advantage of these offers.

Earn OneKeyCash on everyday purchases

$1 in OneKeyCash is $1 to use on eligible vacation rentals on Vrbo. * , **
OneKeyCash is not redeemable for cash.

Meet our One Key Cards

One Key Card

No annual fee
Earn $300
in OneKeyCash after you spend $1,000 on purchases in the first 3 months. *
3%
in OneKeyCash on Vrbo, in addition to what you earn as a One Key member. *
3%
in OneKeyCash at gas stations, grocery stores, and dining. *
1.5%
in OneKeyCash on other purchases. *
Silver
You’ll get automatic Silver tier in the One Key rewards program. *
Important credit terms
Rewards & benefit terms
Check now
Check if you’re approved withno impact to your credit

One Key+ Card

$99 annual fee
Earn $400
in OneKeyCash after you spend $3,000 on purchases in the first 3 months. **
3%
in OneKeyCash on Vrbo, in addition to what you earn as a One Key member. **
3%
in OneKeyCash at gas stations, grocery stores, and dining. **
2%
in OneKeyCash on other purchases. **
Gold
You’ll get automatic Gold tier in the One Key rewards program. **
$100
in OneKeyCash each year on your cardholder anniversary. **
Important credit terms
Rewards & benefit terms
Check now
Check if you’re approved withno impact to your credit

Compare our One Key Cards

One Key Card

No annual fee

One Key+ Card

$99 annual fee
Check if you’re approved with no impact to your credit.

removeNo anniversary bonus with the One Key Card

removeGlobal Entry or TSA Precheck not included with the One Key Card
checkGlobal Entry or TSA Precheck included with the One Key Plus Card

checkNo foreign transaction fees included with the One Key Card
checkNo foreign transaction fees included with the One Key Plus Card

checkCell Phone Protection included with the One Key Card
checkCell Phone Protection included with the One Key Plus Card

checkTrip Cancellation and Interruption Protection included with the One Key Card
checkTrip Cancellation and Interruption Protection included with the One Key Plus Card

checkAuto Rental Collision Damage Waiver included with the One Key Card
checkAuto Rental Collision Damage Waiver included with the One Key Plus Card

checkTravel Accident Insurance included with the One Key Card
checkTravel Accident Insurance included with the One Key Plus Card

Explore even more about One Key credit cards

Will my application be reported to the credit bureaus?

When you check if you’re approved for the One Key Cards , we perform an initial soft check. This will be reported to the credit bureaus but it will not impact your credit score.
If you’re approved and you choose to accept the card offer, there will be a hard inquiry to the credit bureaus which may impact your credit score.

When will I know my APR?

If you’re approved for a card, you can review your Purchase APR before deciding to accept the card offer.

When will I get my card?

Once you’re approved and you accept the offer, you should receive your card within 5–7 business days.

When will I get my introductory offer?

The OneKeyCash earned through the introductory offer will post to your account within 1–2 billing periods after it’s earned.

Where can I manage my credit card account?

You can manage your credit card account on the Wells Fargo app or at www.wellsfargo.com.
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