19
Benefits4
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Travel | 5x | Points | Eligible travel purchases | No Cap | |
| Dining | 5x | Points | Eligible dining purchases | No Cap | |
| Entertainment | 5x | Points | Eligible entertainment purchases | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: OneKeyCash
Base Rate: 2x
Bonus Rate: 10x
Categories: 10x OneKeyCash on eligible Hotels.com and Vrbo purchases and 4x OneKeyCash on eligible Expedia purchases made through OneKey
Quarterly Rotating: No
Expiration Policy: OneKeyCash earned with your OneKey+ Card is subject to the OneKey Rewards Program Terms and Conditions. OneKeyCash will expire 18 months after the date on which it was earned if there is no qualifying activity on your OneKey account during that 18-month period.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption amounts may apply. OneKeyCash cannot be redeemed for cash. OneKeyCash cannot be used to pay for taxes, fees, or charges other than the base price of the booking. OneKeyCash cannot be used for bookings that are paid for at the property.
Benefits & Protections (Detailed) 19 Total
PENDINGPurchase Protection 3
Cell Phone Protection
Up to $600 per claim, $25 deductible, 2 claims per 12-month periodReimburses you for damage to or theft of your eligible cell phone when you pay your monthly cell phone bill with your eligible card. Up to $600 per claim, with a $25 deductible. Limited to two claims per 12-month period.
Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claimExtends the manufacturer's original U.S. warranty by up to one additional year on eligible items purchased with your card. Coverage up to $10,000 per claim.
Purchase Security
Up to $500 per claim, up to $50,000 per account per year, for 90 daysReimburses you for eligible items purchased with your card that are stolen or accidentally damaged within 90 days of purchase. Up to $500 per claim, up to $50,000 per account per year.
Rewards 5
Accelerated Rewards on OneKey Travel (Hotels, Vacation Rentals, Car Rentals)
10x pointsEarn 10x OneKeyCash points on eligible hotels, vacation rentals, and car rentals booked through OneKey.
Accelerated Rewards on OneKey Travel (Flights)
4x pointsEarn 4x OneKeyCash points on eligible flights booked through OneKey.
Standard Rewards on All Other Purchases
2x pointsEarn 2x OneKeyCash points on all other eligible purchases.
OneKeyCash Points Redemption
Redeem for travelRedeem OneKeyCash points for travel, hotels, vacation rentals, and car rentals on OneKey.
OneKeyCash Points Don't Expire
Points never expireOneKeyCash points don't expire as long as your account is open.
Status Benefits 1
OneKey Gold Status
OneKey Gold statusReceive OneKey Gold status, providing access to exclusive benefits within the OneKey program.
Travel 5
OneKey Gold Price Match Guarantee
Price match guaranteeAs a OneKey Gold member, if you find a lower price on an eligible booking within 24 hours, OneKey will match it.
OneKey Gold Member-Only Deals
Exclusive dealsAs a OneKey Gold member, gain access to exclusive member-only deals on travel bookings through OneKey.
OneKey Gold Priority Customer Service
Priority customer serviceAs a OneKey Gold member, receive priority access to customer service for OneKey bookings.
OneKey Gold No Change Fees on Flights
No flight change feesAs a OneKey Gold member, enjoy no change fees on eligible flight bookings made through OneKey.
No Foreign Transaction Fees
0% foreign transaction feePay no foreign transaction fees on purchases made outside the U.S.
Travel Insurance 5
Travel and Emergency Assistance Services
Referral serviceProvides a referral service for medical, legal, and travel emergencies when you're away from home. Cardholders are responsible for the cost of any services received.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program. Cardholders can call a toll-free number for services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for the cost of services.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the replacement of your checked or carry-on luggage and its contents if they are lost or stolen due to the fault of the common carrier when you pay for the entire common carrier fare with your eligible card. Up to $3,000 per covered trip.
Trip Cancellation and Interruption Insurance
Up to $2,000 per person, up to $10,000 per tripReimburses you for non-refundable passenger fares if your trip is canceled or interrupted for covered reasons when you pay for the entire common carrier fare with your eligible card. Up to $2,000 per covered person, up to $10,000 per trip.
Auto Rental Collision Damage Waiver
Up to $50,000Provides coverage for damage due to collision or theft for most rental cars when you rent the car with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary. Up to $50,000.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING10,000
Points/MilesRequirement: Spend $1,000 in 180 days
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the sign-up bonus for the Wells Fargo One Key Plus Card is restricted to one bonus per specific card account every 15 months. This means if you have received a bonus for this particular card product within the last 15 months, you are ineligible for a new bonus on another instance of the same card. Application eligibility generally requires applicants to possess good to excellent credit (typically a FICO score of 700+), be at least 18 years old, a US resident, and have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is also contingent on sufficient income and overall creditworthiness, including total credit exposure with Wells Fargo. Wells Fargo typically limits new credit card approvals to one card every 6 months, and often no more than two new Wells Fargo cards within a 12-month period, or three within 24 months. While not a strict '5/24' rule like some issuers, Wells Fargo is sensitive to the number of recently opened accounts across all issuers.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for this card's bonus is the 'one bonus per 15 months per card' rule, meaning you must wait 15 months from the date you received a bonus on this specific card product before being eligible for another bonus on the same card. Additionally, Wells Fargo generally imposes restrictions on new card applications, typically limiting approvals to one new Wells Fargo card every 6 months, and often no more than two new Wells Fargo cards within a 12-month period, or three within 24 months. These broader issuer-level restrictions can prevent approval for a new card even if the specific bonus eligibility window for the One Key Plus Card is met.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards for frequent users of Expedia, Hotels.com, and Vrbo. Strong earning rates on travel, dining, and gas. Valuable annual travel credit helps offset the annual fee.
Top Negative:
Annual fee may not be justified for those who don't frequently use OneKey partners. Redemption options are primarily limited to OneKey travel. Wells Fargo customer service can be inconsistent.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Card
- Citi Custom Cash Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $765.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: 2024-01-18