One Key
Issued by Wells Fargo
Rates verified July 2026
Welcome Bonus
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
Rewards Rate
1.5x points · up to 3x on Dining
Annual Fee
No annual fee
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1.5x points · up to 3x on Dining
Welcome Offer
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Expedia, Gas Stations, Grocery Stores
Why We Recommend This Card
3.0% on Dining
3.0% on Expedia
3.0% on Gas Stations
Earn $250 in OneKeyCash after you spend $1,000 on purchases in the first 3 months.
Automatic Silver Tier
You will continue to automatically receive Silver tier as long as your One Key Mastercard is open.
Cell phone protection
Cellular Telephone Protection can reimburse the One Key Mastercard® cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone.
Common Carrier Travel Accident Insurance
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip.
Spend to Unlock Gold
Unlock Gold when you spend $15,000 per calendar year
Network benefits (Mastercard) — 16 standard protections
Auto Rental Collision Damage Waiver
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to rent the car with your One Key Mastercard® and/or rewards program associated with your covered card account.
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer
Lyft
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Mastercard Travel
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Peacock
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer1
Priceless Experiences
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Priority Pass
Get access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Trip Cancellation and Interruption
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier passenger fare in the event the trip must be canceled or interrupted because of a covered reason.
World Elite Concierge
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Direct to the Issuer
The Apply button takes you to Wells Fargo's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information