One Key Card
Wells Fargo
- Not redeemable for cash
Key facts
- Annual fee$0
- RewardsCash back
- Everything else earns1.5% back
- Minimum credit score670
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 3% back | No cap stated |
| Groceries | 3% back | No cap stated |
| Dining | 3% back | No cap stated |
| Online shopping | 3% back | No cap stated |
| Everything else | 1.5% back | No 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.