One Key Card

Wells Fargo

Key facts

  • Annual fee$0
  • RewardsCash back
  • Everything else earns1.5% back
  • Minimum credit score670

Earn rates

CategoryRateCap
Gas3% backNo cap stated
Groceries3% backNo cap stated
Dining3% backNo cap stated
Online shopping3% backNo cap stated
Everything else1.5% backNo cap stated

At specific merchants

  • 3% back at Expedia
  • 3% back at Hotels.com
  • 3% back at Vrbo

Signup bonus

$250 after $2,000 of spend in the first 3 months.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Wells Fargo; the card name is its owner's trademark.

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