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46

One Key Card Mastercard World Elite

Wells Fargo Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.49–28.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
28.49%
620–719
28.49%
720+
28.49%
Lowest offered18.49%
Median28.49%
Highest offered28.49%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.49%
Median28.49%
Highest offered28.49%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases

Late fee policy: The fee will be either $40 or the amount of your Minimum Payment, whichever is lower.

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Redeem OneKeyCash for eligible booking purchases on Expedia, Hotels.com, and Vrbo

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$0
Total yearly cost$854.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.

All 28 agreements

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