Expedia One Key+ Benefits, Credits & Annual Fee

• Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable

  Charge your Global Entry ($120) or TSA PreCheck (around $85) application fee to the card and receive a statement credit of up to $120. The credit is applied automatically - no manual submission needed. This benefit can be used once every four years, aligning with typical program renewal cycles.

  Checked Oct 9, 2026
• OneKeyCash Anniversary Bonus$100 / yrTrackable

  Each year on your card anniversary, $100 in OneKeyCash is automatically deposited into your One Key account. You can put it toward flights, hotels, or vacation rentals on Expedia, Hotels.com, or Vrbo. No minimum spending threshold is required to receive it.

  Resets: Card anniversaryChecked Jul 4, 2026

Hotel Status

• Automatic Gold Status

  Simply holding this card gives you One Key Gold status automatically - no travel spending required. Gold unlocks perks like member prices and enhanced OneKeyCash earning rates on Expedia, Hotels.com, and Vrbo. Status stays active as long as your card account remains open and in good standing.

  Checked Jul 4, 2026
• One Key Platinum Status after $30,000 SpendTrackableMin spend $30,000

  Earn One Key Platinum tier after making at least $30,000 in net purchases on your One Key+ Mastercard in a calendar year. The tier may take up to 30 days to appear and lasts through February 28 after the next full calendar year. These purchases do not award Trip Elements toward tier qualification.

  Resets: Calendar yearChecked Sep 28, 2026

Rental Car

• Primary Rental Car Insurance

  Pay for your entire rental with this card and decline the rental company's collision damage waiver to get primary coverage for damage or theft - meaning you don't need to involve your personal auto insurance first. Reimbursement is available for up to $50,000 in covered losses. Certain vehicle types, such as exotic cars, may not qualify.

  Checked Jul 4, 2026
• Auto Rental Collision Damage Waiver

  Covers up to $50,000 in damage or theft on an eligible rental car when you pay the full rental cost with the card. This is primary coverage - meaning it kicks in before your personal auto insurance - except for New York residents, where it is secondary.

  Checked Sep 26, 2026

Travel Insurance

• Trip Cancellation and Interruption Protection

  Reimburses the nonrefundable cost of your common carrier fare if your trip is canceled or cut short for a covered reason. Book your travel with the card to be eligible. Coverage applies only to qualifying reasons, so review your benefit guide for what counts.

  Checked Sep 28, 2026
• Travel Accident Insurance

  Provides up to $1,000,000 in accidental death and dismemberment coverage when traveling on a common carrier. Purchase your airline or other common carrier ticket with the card to activate coverage. Benefits vary by type of loss, so check your benefit guide for the full schedule.

  Checked Sep 26, 2026

Bonus Earnings

• 3% OneKeyCash Earnings on Expedia, Hotels.com, and Vrbo3%

  Earn 3% in OneKeyCash (2% base plus 1% bonus) on eligible Expedia, Hotels.com, and Vrbo bookings made on the US sites while logged into the linked One Key account. Official Wells Fargo One Key+ page retrieved 2026-09-12. Prior catalog description incorrectly described gas, grocery, and dining instead of these travel bookings.

  Checked Sep 12, 2026
• 3% OneKeyCash on Gas, Grocery, and Dining3%

  Earn 3% in OneKeyCash (2% base plus 1% bonus) on net purchases at gas stations, automated fuel dispensers, EV charging stations, grocery stores, and dining. Official Wells Fargo One Key+ page retrieved 2026-09-12.

  Checked Sep 30, 2026
• 2% OneKeyCash Earnings on Other Purchases2%

  Earn 2% in OneKeyCash on other net purchases that do not fall into a 3% bonus category. Cash advances and cash equivalents do not earn OneKeyCash. Official Wells Fargo One Key+ page retrieved 2026-09-12 lists 2% on other purchases.

  Checked Sep 12, 2026

Purchase Protection

• Cell Phone Protection

  Pay your monthly cell phone bill with this card to activate coverage against theft or accidental damage. Each approved claim reimburses up to $1,000 for repair or replacement costs, minus a $25 deductible. You can file up to two claims per 12-month period.

  Checked Oct 9, 2026

Fees & Miscellaneous

• No Foreign Transaction Fee

  Pay no foreign transaction fees on purchases converted to U.S. dollars when you use your card abroad. This applies automatically - no enrollment needed. The benefit only applies to currency conversion fees; other card fees may still apply.

  Checked Jul 4, 2026