100,000 Points
Worth $1,000
After you spend $25,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$125
Rec. Credit
Excellent
Wells Fargo
One Key®
The One Key Card from Wells Fargo is a no-annual-fee card built for travelers who regularly book hotels, vacation rentals, and flights through Expedia, Hotels.com, and Vrbo. It pairs strong travel earnings on those platforms with elevated rates on everyday categories like dining, gas, and groceries.
Welcome Offer
25,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Expedia and Vrbo bookers
All information about One Key® has been collected independently by MaxRewards. One Key® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the One Key® worth it?
This card is great for...
Expedia and Vrbo bookings
Everyday dining, gas, and groceries
No-annual-fee travel rewards
For travelers who routinely use Expedia, Hotels.com, or Vrbo, the One Key Card offers a straightforward way to earn rewards on trips and daily expenses without paying an annual fee. Earning 3% back on dining, gas, and grocery purchases gives the card year-round utility, while the boosted rates on platform bookings help build up rewards balance quickly.
The main drawback is ecosystem lock-in. Because the rewards are designed for redemption across Expedia brands, travelers who prefer booking directly with hotels and airlines to earn elite status or who want transferrable points will find broader travel cards more flexible.
MaxRewards Verdict
The One Key Card is a smart fit for travelers who book through Expedia and Vrbo and want a zero-annual-fee card with strong daily earning categories. Its main limitation is that its rewards hold the most value inside the Expedia travel network.
Welcome Offer
25,000 Points
after you spend $2,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$250
Required Spend
$2,000
Time Frame
3 Months
Est. Value
$250
Required Spend
$2,000
Time Frame
3 Months
Earning
Rewards
You earn elevated rewards on travel booked through Expedia, Hotels.com, and Vrbo, along with competitive earning rates on daily expenses like dining, gas, and groceries.
CategoryRate
Expedia
6%
Expedia.com
6%
Vrbo
5%
Dining
3%
Gas
3%
Grocery
3%
Everywhere
1.5%
Rewards percent based on a valuation of 1¢ per Go Far Rewards point
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
18.74% - 28.74%
Variable
Transfer APR
18.74% - 28.74%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5 or 5%
Cash Advance
$10 or 5%
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Wells Fargo
See all 23 cards
60,000 Points
Worth $600
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 5%Hotel
- 4%Airline
- 3%Dining
Annual Fee
$95
Rec. Credit
Excellent
50,000 Points
Worth $500
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent