Wells Fargo One+ Key Plus Card
Basic Information
Program ID: wells-fargo-one-key-plus-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 17:01
Last Scraped: 01/15/2026 17:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically credited to your account within 1-2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: OneKeyCash
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels, 4x Airlines, 3x Other Travel
Point Value Estimate: 0.0100 cents/point
Expiration Policy: OneKeyCash does not expire as long as your Wells Fargo account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Based on current Wells Fargo policies and industry trends, expected application and bonus eligibility rules for the Wells Fargo One Key Plus Card in 2026 include: Applicants are generally limited to receiving one welcome bonus for this specific card product every 15 months. Furthermore, Wells Fargo typically restricts new credit card applications to no more than one new Wells Fargo card every 6 months. Eligibility also requires a good to excellent credit score (typically 670+ FICO) and sufficient income to support the credit line.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, repeated bonus churning, high cumulative credit limit across Wells Fargo accounts, suspicious spending patterns, frequent late payments, or defaulting on other Wells Fargo products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
High earning rates on OneKey travel bookings, valuable sign-up bonus, and included Priority Pass Select membership for a reasonable annual fee.
Top Negative Feedback:
Annual fee may not be justified for infrequent travelers, rewards are locked into Expedia Group brands, and general customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- Citi Premier Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $865.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 30% General / 70% Co-brand Travel
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0