Points · Mastercard · $99 annual fee
Last verified 2026-09-09. Review issuer source
Wells Fargo One Key+ is a $99-a-year points card from Wells Fargo. Its best everyday rates are 3x on dining, 3x on gas stations, and 3x on grocery stores; everything else earns 2x. The 3x rate applies only to Hotels.com, so treat it as a bonus rather than the reason to apply. There is also 3x on Expedia, a single-merchant rate. Rewards are One points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $214, which clears the $99 fee with $115 to spare before any credits or perks. The welcome bonus, $35,000 after $3,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with One often enough to use the perks. A general travel card earns points that go more places.
Earn 3% in OneKeyCash on dining
Earn 3% in OneKeyCash on Expedia
Earn 3% in OneKeyCash at gas stations
Earn 3% in OneKeyCash at grocery stores
Earn 3% in OneKeyCash on Hotels.com
Earn 3% in OneKeyCash on Vrbo
Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.
Get $100 in OneKeyCash each cardholder anniversary.
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to rent the car with your One Key Mastercard® and/or rewards program associated with your covered card account.
You will continue to automatically receive Gold tier as long as your One Key+ Mastercard is open.
Cellular Telephone Protection can reimburse the One Key Mastercard® cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone.
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip.
Receive a statement credit of up to $120 for Global Entry® or TSA PreCheck®
Unlock Platinum when you spend $30,000 per calendar year.
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier passenger fare in the event the trip must be canceled or interrupted because of a covered reason.
These come from Mastercard, not from Wells Fargo. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| One Key+This card · 3x on dining | $99 | $214 | +$115 | 937th of 1,291 |
| Wells Fargo Active Cash®Wells Fargo's most-held other card · 2% on everything | None | $492 | +$492 | 284th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
