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Wells Fargo One Key™ Cards: Which Travel Card Suits You Best?

Explore the features, benefits, and differences between Wells Fargo’s One Key™ and One Key+™ credit cards to determine the ideal choice for your travel and spending habits.

Wells Fargo One Key™
Source: Google

Compare Wells Fargo’s One Key™ and One Key+™ travel cards to find out which one truly matches your lifestyle, spending habits, and how often you hit the road.

CREDIT CARD
Wells Fargo One Key
OneKeyCash Travel Accident Insurance
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Travel is all about creating unforgettable moments and the right credit card can make those moments even better. Wells Fargo offers two standout choices for travelers: the One Key™ and the One Key+™ cards. Both are built to reward your travel and daily spending, but they’re tailored to different types of users.

So let me ask you: are you the kind of traveler who takes a few trips a year and just wants solid rewards, or do you travel frequently and want all the perks? Getting a clear sense of what each card offers will help you decide with confidence.

One Key™ vs One Key+™: What Each Card Brings to the Table

One Key™ Card – Simple, Rewarding, and No Annual Fee

If you like straightforward rewards without any strings attached, the One Key™ Card delivers:

  • 3% back in OneKeyCash™ on bookings through Expedia, Hotels.com, and Vrbo.
  • 3% back at gas stations, grocery stores, restaurants, and food delivery.
  • 1.5% back on everything else you buy.
One Key+™ Card – Premium Rewards for Frequent Flyers

If travel is a big part of your routine, the One Key+™ may be a better fit:

  • 3% back in OneKeyCash™ on eligible travel bookings via Expedia, Hotels.com, and Vrbo.
  • 3% back on common everyday purchases.
  • 2% back on all other eligible spending.

And yes—both cards let you redeem your OneKeyCash™ for future travel, saving you money on your next trip.

Hidden Perks You Might’ve Missed

Beyond the rewards, these cards come with some surprisingly valuable extras:

One Key™ Card Hidden Benefits
  • No foreign transaction fees – perfect for international trips.
  • Cell phone protection – up to $1,000 in coverage when you pay your bill with the card.
  • Built-in travel protection – covers trip cancellations, rental cars, and accidents.
One Key+™ Card Exclusive Bonuses
  • $100 OneKeyCash™ anniversary bonus – every year, just for being a cardholder.
  • Global Entry/TSA PreCheck credit – up to $120 in statement credits.
  • Enhanced travel protections – everything the One Key™ offers, plus extras.

Best Uses: Who Should Choose Which Card?

It all comes down to how often you travel:

  • Occasional travelers: The One Key™ Card makes the most sense. No annual fee, and you still get strong rewards.
  • Frequent travelers: The One Key+™ Card pays off with extra perks that justify the annual cost.

Not the Right Fit? Consider These Alternatives

If neither of these cards feels like the perfect match, Wells Fargo still has you covered:

  • Wells Fargo Active Cash® Card – flat 2% cash back with no annual fee.
  • Wells Fargo Autograph® Card – earns 3X points on travel, dining, gas, streaming, transit, and phone bills.

Eligibility: Can You Get Approved?

Before you apply, make sure you meet the basic requirements:

  • Credit score: Typically needs to be good to excellent.
  • Residency: Must be a U.S. resident.
  • Age: Must be 18 or older.

How to Apply – Simple and Quick

Applying for either card is super easy:

  1. Pre-qualify online – no impact on your credit score.
  2. Fill out the application – include your financial and personal details.
  3. Get a decision – usually within minutes.
  4. Receive your card – typically within 5–7 business days.

❓ FAQs – Wells Fargo One Key Cards

Can I use OneKeyCash™ for non-travel purchases?

OneKeyCash™ is primarily designed for travel bookings through Expedia, Hotels.com, and Vrbo.

Does the card offer purchase protection?

Yes, both cards include various protections like cell phone protection and travel insurance.

Are there foreign transaction fees?

No, neither the One Key™ nor the One Key+™ Card charges foreign transaction fees.

How does the anniversary bonus work on the One Key+™ Card?

You’ll receive a $100 OneKeyCash™ bonus each year on your cardholder anniversary.

Is there a limit to the rewards I can earn?

There are no caps on the amount of OneKeyCash™ you can earn with either card.

Final Thoughts: Which One Should You Choose?

If you’re after a solid, no-annual-fee card with great rewards, the Wells Fargo One Key™ Card is a smart pick. But if you travel regularly and want the extras—like bonus cash, Global Entry credits, and stronger protection—the One Key+™ Card is likely to deliver more value.

Bottom line? Pick the card that fits your travel style and spending habits. That way, you’re not just spending—you’re earning, saving, and traveling smarter.

CREDIT CARD
Wells Fargo One Key
OneKeyCash Travel Accident Insurance
APPLY NOW You will be redirected to
Written By

Copywriter/Editor and finance expert known for concise and informative articles on investing and wealth management. With experience simplifying complex topics, Roberto empowers readers to make sound financial decisions.

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