One Key
Credits 0
This card has no statement credits that expire.
Perks 1
Benefits you use rather than credits that post to your statement.
Automatic One Key Silver (Silver member prices, 15%+ off 10,000+ hotels) for the primary cardholder while the card is open, once a One Key account is linked. $15,000 in net purchases in a calendar year unlocks Gold for the rest of that year, all of the next year and through Feb 28 after it.
Also included
- No foreign transaction fees
- Primary auto rental collision damage waiver up to $50,000 (except NY residents)
- Cell phone protection up to $1,000/claim ($25 deductible)
- Trip cancellation/interruption (secondary); travel accident insurance up to $1,000,000
Before you apply
Wells Fargo’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Wells Fargo may turn down a new personal card if you opened one with them in the past 4 months. A new Wells Fargo personal card may be declined.
Never miss one of these credits
Add the One Key to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.