Wells Fargo · Personal card
One Key+ Card
The One Key+ Card has a $99 annual fee and up to $130 a year in statement credits, across two credits. At least one resets on your account anniversary, not January 1.
- Annual fee
- $99
- Charged on your account anniversary
- Credits a year
- Up to $130
- 2 statement credits, used in full
- Need enrollment
- None
- Every benefit applies on its own
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| $100 anniversary OneKeyCash credit$100 a year. On your account anniversary, not January 1 | $100 a year | On your account anniversary, not January 1 | $100 |
| Trusted Traveler Program credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $130 |
What people get wrong
- Not every credit resets in January. At least one resets on your account anniversary. Most people assume the calendar year.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the One Key+ Card
What is the annual fee on the One Key+ Card?
$99 a year, charged each year on your account anniversary.
How much are the One Key+ Card credits worth?
Up to $130 a year if you use all two statement credits in full. The largest: $100 anniversary OneKeyCash credit ($100) and Trusted Traveler Program credit ($30).
Which One Key+ Card benefits need enrollment?
None. Every One Key+ Card benefit applies without enrolling.
When do the One Key+ Card credits reset?
$100 anniversary OneKeyCash credit resets on your account anniversary, not January 1. Unused credit does not roll over.
Is the One Key+ Card worth the $99 fee?
On credits alone, only if you use at least 77% of them. They add up to $130 a year against the $99 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the One Key+ Card earn?
One Key (Expedia/Hotels.com) points, worth about 0.9 cents each in a typical redemption.
