One Key Card
Wells Fargo
No Annual Fee
Annual Fee
visaGoodno-annual-fee3 months ago
Welcome Offer
$250Spend $1,000 within 3 months
OpenCard analysis
Is the One Key Card right for you?
The One Key is a no-annual-fee cash-back card from Wells Fargo. Its strongest everyday earning is 3% on Expedia, Hotels.com, and Vrbo, with 1.5% on most other purchases. With no fee, the question is simply whether 3% on Expedia, Hotels.com, and Vrbo beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Expedia, Hotels.com, and Vrbo, where it earns 3%
- ✓ Anyone who wants Expedia, Hotels.com, and Vrbo rewards without paying an annual fee
First-year value estimate
Welcome bonus
$250
Rewards on spending
$225
Annual fee (year 1)
−$0
Year 1, before credits
$475
Year two, without the welcome bonus: about $225 before credits ($225 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Expedia, Hotels.com, and Vrbo (3%) and $9,000 on everything else (1.5%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: the $250 bonus at face value ≈ $250.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-07-05.
How it compares
Prime Visa →
Chase, same $0 annual fee; earns 5% on Amazon.com, Amazon Fresh, Whole Foods Market.
Amazon Visa →
Chase, same $0 annual fee; earns 3% on Amazon.com, Amazon Fresh, Whole Foods Market.
Blue Cash Everyday →
American Express, same $0 annual fee; earns 3% on gas.
Rules and gotchas
- The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the One Key have an annual fee?
- No. Our record lists a $0 annual fee for the One Key.
- What does the One Key earn?
- 3% on Expedia, Hotels.com, and Vrbo, 3% on Gas stations, grocery stores, and dining, and 1.5% on other purchases.
- Is the One Key worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Expedia, Hotels.com, and Vrbo), the first year comes out around $475 before credits, including a welcome bonus valued at $250. Year two drops to about $225 before credits.
- What credit do I need for the One Key?
- Our record lists "Good" credit as the typical target for the One Key. Wells Fargo makes the final decision based on its own criteria.
Earning Rates
3×Expedia, Hotels.com, and VrboEarn in OneKeyCash on eligible Expedia Group brand purchases.
3×Gas stations, grocery stores, and diningEarn in OneKeyCash on eligible purchases.
1.5×All other purchasesEarn in OneKeyCash on all other purchases.
Insurance
Sources
Last Updated: Jul 5, 2026