- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 4.5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- NaN
The One Key Card is a versatile travel rewards credit card ideal for frequent travelers and hotel bookers who want valuable perks without an annual fee or foreign transaction charges. Cardholders enjoy no annual fee, no foreign transaction fee, and Silver member pricing that can save 15% or more on hotels, making it a strong choice for loyal travelers and road warriors looking to stretch their travel budget. The card also offers solid protections including cell phone protection up to $1,000, auto rental collision damage waiver up to $50,000, trip cancellation/interruption insurance, and travel accident insurance up to $1,000,000, which appeal to globetrotters who value safety and peace of mind. With a 1.5% OneKeyCash rewards rate on purchases, the card suits those who want steady everyday earnings, though it’s worth noting that OneKeyCash can’t be redeemed for cash and a $15,000 annual spend is required to unlock Gold member hotel discounts. Overall, the One Key Card benefits travelers who prioritize hotel savings and comprehensive travel protections over cash redemption flexibility.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having a credit history for at least 2 years
- You can only open 1 Wells Fargo card in a 6 month period
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 18.49% - 28.49% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 18.49% - 28.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)