One Key+ Card Review

Prepare to elevate your entire travel lifestyle with the One Key+ Card, the premium credit card designed for savvy travelers.

The Wells Fargo One Key+ Card is more than just a way to earn rewards; it’s an investment in a better travel experience. From the moment you’re approved, you’ll be granted automatic Gold status, unlocking exclusive discounts and perks. 

With valuable annual credits that effectively pay for the card itself, robust travel protections, and no foreign transaction fees, this card is crafted for those who see travel not just as a destination, but as a lifestyle. It’s time to move beyond standard rewards and embrace a card that truly enhances every aspect of your adventures.

CREDIT CARD

Wells Fargo One Key+ Credit Card

up to 3% cash back $400 welcome bonus

APPLY NOW You will be redirected

Benefits: Your “Plus” Pass to a World of Perks

The Wells Fargo One Key+ Card is loaded with high-value features designed to provide an exceptional return on your annual fee and enhance your travel and everyday life.

1. Generous Welcome Bonus: Start your journey with a massive boost! New cardholders can earn a fantastic $400 in OneKeyCash after spending $3,000 on purchases in the first 3 months. 
2. $100 Annual OneKeyCash™ Anniversary Credit: This is a standout perk that essentially pays for your annual fee. Every year on your cardholder anniversary, you will automatically receive $100 in OneKeyCash.
3. Automatic One Key Gold Status: Enjoy elite travel perks from day one. As a cardholder, you are automatically granted Gold status in the One Key loyalty program.
4. Excellent Rewards on Everyday Spending: This card is a powerhouse for daily use. Earn 3% back in OneKeyCash at gas stations, grocery stores, and on dining. 
5. Accelerated Earnings on the One Key Trio: Maximize your travel rewards by earning 3% back in OneKeyCash on eligible purchases made directly at Expedia, Hotels.com, and Vrbo. 
6. Superior 2% Base Earning Rate: For all other purchases that don’t fall into the 3% bonus categories, you’ll still earn a very strong 2% back in OneKeyCash. 
7. No Foreign Transaction Fees: Explore the globe without the extra costs. This card has no foreign transaction fees, saving you the typical 3% surcharge on every purchase you make while traveling internationally or shopping on foreign websites.
8. Global Entry or TSA PreCheck Credit: Speed through airport security and customs. You will receive a statement credit of up to $120 every four years to cover the application fee for Global Entry or TSA PreCheck, making your travel process much smoother and more efficient.
9. Simple and Flexible Redemption: Using your rewards is effortless. Your OneKeyCash acts like real cash on Expedia, Hotels.com, and Vrbo. Simply apply it at checkout to pay for part or all of your booking—flights, hotels, car rentals, and vacation homes are all eligible.
10. Visa Signature Luxury Hotel Collection & Concierge: As a Visa Signature card, it comes with access to a portfolio of over 900 luxury hotels offering VIP perks, as well as 24/7 access to the Visa Signature Concierge service for travel, dining, and entertainment assistance.

Who Can Apply: Eligibility Criteria

Eligibility for the Wells Fargo One Key+ Card is focused on U.S. residents, including new immigrants who have established a U.S. financial presence.

• Age: You must be at least 18 years old.
• U.S. Residency: You must be a legal resident of the United States with a valid U.S. physical address.
• SSN or ITIN: You must have a valid U.S. Social Security Number (SSN) or, in many cases, an Individual Taxpayer Identification Number (ITIN).
• U.S. Credit History: Wells Fargo will assess your credit history based on reports from U.S. credit bureaus. A good to excellent credit score (generally 670 or higher) is recommended for approval.
• Six-Month Rule: You may not be approved for a new Wells Fargo credit card if you have opened another Wells Fargo credit card within the last six months.

How to Apply: The Application Process

Applying for the card is a straightforward online process.

1. Visit the Wells Fargo Website: Navigate to the credit card page for the One Key+ Card.
2. Create a One Key Account: It is best to have a One Key account set up on Expedia, Hotels.com, or Vrbo before applying, as you’ll need to link it.
3. Click “Apply Now”: Begin the secure online application form. Wells Fargo may offer a pre-qualification check that won’t impact your credit score.
4. Provide Your Information: Fill out the form with your personal details, including your full name, U.S. address, date of birth, SSN or ITIN, and financial information such as your annual income and employment status.
5. Consent to a Credit Check: As part of the process, you must authorize Wells Fargo to perform a “hard” credit inquiry if you choose to accept the offer after approval.
6. Review and Submit: Double-check all information for accuracy and submit the application.
7. Await a Decision: In many cases, you will receive a decision online within seconds.

Frequently Asked Questions (FAQ)

1. What is the annual fee for this card?
   The Wells Fargo One Key+ Card has a $99 annual fee.
2. What benefits do I get with automatic Gold status?
   Gold status gives you access to Member Prices that save you 20% or more on select hotels, room upgrades at VIP Access properties when available, and other exclusive perks.
3. Can I redeem my OneKeyCash for actual cash?
   No, OneKeyCash can only be used as a form of payment for eligible bookings on Expedia, Hotels.com, and Vrbo.

What is the main difference between this card and the no-fee One Key card?
The One Key+ card has a $99 annual fee but offers a higher base earn rate (2% vs 1.5%), automatic Gold status (vs. Silver), a $100 anniversary credit, and a Global Entry/TSA PreCheck credit.

CREDIT CARD

Wells Fargo One Key+ Credit Card

up to 3% cash back $400 welcome bonus

APPLY NOW You will be redirected