Wells Fargo · Mastercard · travel
One Key Card
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Terms read from Wells Fargo's page on Oct 16, 2026.
Year 1, after fees
$1,114
Year 2+, after fees
$864
every year after
3 years, after fees
$2,842
Break-even
No fee
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $510 | $260 | $1,030 | No fee |
| Couple ($2,555/mo) | $908 | $658 | $2,224 | No fee |
| Family ($3,350/mo) | $1,114 | $864 | $2,842 | No fee |
| Frequent traveller ($3,880/mo) | $1,173 | $923 | $3,020 | No fee |
| Big spender ($7,960/mo) | $2,115 | $1,865 | $5,844 | No fee |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
Rewards
- 3% on gas, groceries and dining
- 3% on expedia, Hotels.com and Vrbo
- 1.5% on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Welcome bonus: $250 in OneKeyCash after $2,000 in purchases in the first 3 months. Your spending meets it in month 1.
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: Rewards are OneKeyCash, usable on Expedia, Hotels.com and Vrbo; they're counted at face value, like cash.
Not counted or not confirmed
- Purchase APR isn't on Wells Fargo's card list; the card's own page wasn't read.
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $864.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Head to head
Frequently asked questions
Is the Wells Fargo One Key Card worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,114 in year 1 and $864 a year after that, after no annual fee.
What is the Wells Fargo One Key Card welcome offer?
$250 in OneKeyCash after $2,000 in purchases in the first 3 months.
Does the Wells Fargo One Key Card charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.