One Key+ Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

One Key+ Card4.8/5

Wells Fargo

Annual fee
$99
Rewards rate
3%-1.5%
Welcome Bonus
$350
Apply Now →on Wells Fargo's website
Regular APR:18.49%, 23.49%, or 28.49% Variable APR

  • 3%Cash back on Expedia, Hotels.com, and Vrbo
  • 3%Cash back at gas stations, grocery stores, and dining
  • 1.5%Cash back on all other purchases

Welcome Bonus:

Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.

Reward Rate:

Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and on dining; 1.5% on other purchases.

APR:

18.49%, 23.49%, or 28.49% Variable APR

The One Key+ Card stands out as the top choice because of its substantial welcome bonus and high rewards rate on travel-related purchases, making it ideal for frequent travelers.

Pros:

  • Generous welcome bonus
  • Multiple bonus categories

Cons:

  • Annual fee applies
  • High spending requirement for bonus
Apply now →

The One Key+ Card may be particularly suitable for individuals who frequently engage in travel-related expenditures, given its competitive rewards rate and attractive welcome bonus. However, potential applicants should carefully consider the $99 annual fee in relation to their spending habits to determine if the card aligns with their financial goals.

Frequently Asked Questions

Related Guides