
Wells Fargo One Key+ Card
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Dining | 3% | 3% |
| Groceries | 3% | 3% |
| Gas | 3% | 3% |
| Everything else | 2% | 2% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (2)
Global Entry/TSA PreCheck Credit
Up to $120 statement credit when you use your One Key+ Card to pay for the application or renewal fee for Global Entry or TSA PreCheck. One credit every 4 years. Credit is issued even if the application is denied.
$100 Anniversary OneKeyCash Bonus
Receive $100 in OneKeyCash each year on your cardholder anniversary. OneKeyCash can be redeemed on Expedia, Hotels.com, and Vrbo for travel bookings.
Status & Elite Perks (1)
One Key Gold Status
Automatic One Key Gold elite status as long as you hold the card. Gold status includes: 20% or more savings on over 10,000 hotels worldwide, 4% OneKeyCash on VIP Access property stays booked on Expedia and Hotels.com, room upgrades and food/beverage extras at select VIP Access properties, free Price Drop Protection on select flights, and priority traveler support.
Protections (4)
Cell Phone Protection
Cell phone protection covers damage, theft, or loss for up to $1,000 per claim when you pay your monthly cell phone bill with your One Key+ Card. Subject to a $25 deductible per claim, with a maximum of 2 claims per 12-month period ($2,000 max per year).
Auto Rental Collision Damage Waiver
Primary auto rental collision damage waiver covers up to $50,000 for damage to or theft of a rental vehicle when you reserve and pay for the entire rental with your card and decline the rental agency's CDW/LDW insurance. Coverage for up to 31 consecutive days. Available worldwide except in Israel, Jamaica, the Republic of Ireland, and Northern Ireland.
Trip Cancellation/Interruption Insurance
Trip cancellation and interruption insurance reimburses up to $5,000 per covered person per trip for non-refundable, prepaid common carrier expenses if you need to cancel or interrupt your trip for a covered reason. Maximum of $20,000 per account per 12-month period. Covers cardholder, spouse/domestic partner, and dependent children.
Travel Accident Insurance
Travel accident insurance provides up to $1,000,000 in coverage for loss of life, limb, sight, speech, or hearing resulting from a covered accident while traveling on a common carrier (airline, bus, cruise ship, or train) when the entire fare is charged to the card.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 7 Wells Fargo One Key+ Card benefits automatically — redemption progress, reset dates and expiry alerts.