Wells Fargo OneKey Co-branded Credit Card [New card launch, up to $400 bonus]

Wells Fargo OneKey Co-branded Credit Card

There are two versions of this co-branded card, one with no annual fee and one with an annual fee. The cash-back structure is basically the same; the difference is that other spending earns either 1.5% or 2% cash back. The annual-fee version also gives you $100 in One Key Cash each year after paying the annual fee. If you frequently use websites in the One Key network (Expedia, Hotels.com, Vrbo), you may want to apply directly for the annual-fee version, since that $100 is easy to use up anyway.

Benefits

• Cell phone protection included: If you pay your monthly cell phone bill with this card, you can receive up to $600 in coverage if your phone is damaged or stolen (with a $25 deductible). See also: Introduction to credit card cell phone insurance
• Free FICO credit score: A monthly Experian FICO score is provided. See also: Which free credit score is best?
• No foreign transaction fee: Most cards with no foreign transaction fee have an annual fee, so it’s nice that this card has no annual fee. See also: Introduction to no foreign transaction fees

One Key program

Expedia has recently launched the new One Key membership program, which will replace the membership programs of its other websites, and some sites that previously had no membership program will also join. It includes

• Expedia Rewards,
• Hotels.com Rewards
• Orbitz Rewards
• eBookers Bonus+
• Vrbo
• Travelocity

For more details, see

• Introduction to the new One Key membership program (Hotels.com, Expedia, Orbitz, Vrbo, etc.)

Apply

Wells Fargo Credit Card Application Guide

• Application status check link. Or call: (800) 967-9521
• If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
• Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
• You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
• Having a Checking account may help with getting approved for a credit card.
• More about applying for Wells Fargo credit cards

Application links

• Wells Fargo One Key
• Wells Fargo One Key Plus