Wells Fargo One Key+™ Mastercard

Card Details and Application Link
Wells Fargo One Key+™ Mastercard
ⓘ $405 1st Yr Value Estimate
$600 OneKeyCash Non-AffiliateThis is NOT an affiliate offer.
$600 OneKeyCash after $3K spend in first 3 months
$99 Annual Fee

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Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FM Mini Review: Good bonus categories, especially when combined with the 2x base earning. The anniversary bonus more or less offsets the annual fee and being able to combine primary car rental insurance with 7x earning at Expedia could be valuable for some.
Earning rate: 3% at Expedia, Hotels.com, Vrbo and at gas stations, grocery stores, restaurants, food delivery ✦ 2X everywhere else
Base: 2X (1.8%)
Dine: 3X (2.7%)
Gas: 3X (2.7%)
Grocery: 3X (2.7%)
Brand: 3X (2.7%)
Card Info: Mastercard World Elite issued by Wells. This card has no foreign currency conversion fees.
Noteworthy perks: Automatic Gold status ✦ $100 OneKeyCash anniversary bonus ✦ $120 annual Global Entry/TSA Precheck credit ✦ Trip insurance ✦ Primary rental car insurance ✦ Cell phone Protection ($25 deductible, $1000 max per claim)

Application Tips

Wells Fargo Application Tips


  • Bank first: It appears that Wells Fargo has now instituted a 5/24: if you have opened more that 5 new personal credit cards with any bank within the last 24 months you won't be approved for a new card.

  • 48 month rule: Limit of one signup bonus per 48 months on most cards

  • Get Same Card Again: No known rules against getting same card & bonus again.

  • Hard inquiries are combined into 1 when approved same day.


Check application status here.
If denied, call reconsideration here: 1-800-967-9521 (consumer) or 1-800-231-9244 (business)

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