Wells Fargo · Mastercard

Annual fee

$99

Rewards

One Key

Earn rates

• 3% Expedia, Hotels.com, and Vrbo bookings (activities, car rentals, cruises, flights, hotels, packages) — Verbatim: "You earn an additional 1% in OneKeyCash (for a total of 3% in OneKeyCash) for every $1 you spend on eligible Net Purchases you make with your Card Account for the following bookings made through the US version of Expedia, Hotels.com, or Vrbo" — section heading "Bonus Rewards Earned at Expedia, Hotels.com, and Vrbo"; the listed bookings are "Activities / Car rentals / Cruises / Flights / Hotels / Packages". No cap stated; the page says "You can earn unlimited OneKeyCash unless you are told otherwise."
• 3% Gas stations, grocery stores, and dining — Verbatim: "You earn an additional 1% in OneKeyCash (for a total of 3% in OneKeyCash) for every $1 you spend on qualifying Net Purchases you make with your Card Account." — section heading "Bonus Rewards Earned at Gas Stations, Grocery Stores, and Dining". No cap stated.

Foreign transaction fee

None

Purchase APR

18.49%–28.49% variable

Issuer rules

• 48-month restriction on intro offers: "You may not be eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards (collectively called, Introductory Offers) if you have already opened a One Key Mastercard, One Key+ Mastercard, or Hotels.com® Rewards Visa® Credit Card account within the last 48 months from the date of this application, even if the account is closed or has a $0 balance."
• One account only across the family. Question: "Will you qualify if you already have a One Key Mastercard, One Key+ Mastercard, or Hotels.com Rewards Visa Credit Card account?" Answer: "No. You are only allowed one account."
• Minimum credit limit: "The minimum credit limit is $1,500.00."
• Balance transfers earn nothing: "Balance transfers do not earn rewards."
• Wells Fargo may split credit limits across your cards: "If you are applying for an additional card, then you agree that we can distribute your credit limits between each card if: You already have a Wells Fargo Credit Card account that has no current balance, and You have not used the Wells Fargo Credit Card account for any reason within the past six months."

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