One Key Card
By Alex Compton · Last verified
Expedia store credit for people who already book everything on Expedia.
Welcome Bonus
$250
≈$250 value
Spend Requirement
$2,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $250 OneKeyCash after $2,000 in 3 months
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $400 before; the current $250 is below its typical $275. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
$250
All-time high
$400
Typical offer
$275
In place since
June 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $250 | $2,000 in 3 mo | Spend: $1,000 → $2,000$250 OneKeyCash after $2,000 in 3 months | Wells Fargo One Key Card product page → |
| 2026-06 | $250 | $1,000 in 3 mo | Bonus decreased: $300 → $250 | Archive record · no attached snapshot |
| 2025-10 | $300 | $1,000 in 3 mo | Bonus decreased: $400 → $300$300 OneKeyCash | Archive record · no attached snapshot |
| 2024-07 | $400 | $1,000 in 3 mo | Earliest record$400 OneKeyCash launch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$250 OneKeyCash now requires $2k in 3 months; cell phone protection up to $1,000
Fields: currentOffer, benefits
Wells Fargo One Key Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xExpedia, Hotels.com and Vrbo bookings
- 3xGas stations, grocery stores and dining
- 1.5xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Instant Silver tier in the One Key program, Gold after $15,000 in yearly spend
- ✦OneKeyCash never needs a minimum to redeem
- ✦No foreign transaction fees
- ✦Cell phone protection up to $1,000 per claim ($25 deductible)
- ✦Trip cancellation and interruption protection
Why it earns its spot
- +3% on gas, grocery and dining is strong for a no fee card
- +1.5% floor everywhere else
Where it costs you
- −OneKeyCash only spends inside Expedia, Hotels.com and Vrbo
- −Expedia has paused One Key's international rollout and trimmed Vrbo earning, so the program's direction is shaky
The Compound Verdict
The earn rates read like a solid cash back card, but the payout is store credit for one travel agency. That is fine if Expedia is genuinely your booking home, and shaky given how much Expedia has already walked back the One Key program since launch. The welcome offer has also drifted down from $400 to $250, now with a $2,000 spend requirement, which tells you something about its priority.
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