Purchase APR
15.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $479.70
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39
One Key+ Mastercard
Wells Fargo Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
18.49–28.49%
Annual fee
$99
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 fee$99
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$99
Total yearly cost$953.70
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.
- Choice Privileges Mastercard Credit Card Agreement833 KB
- Choice Privileges Select Mastercard Credit Card Agreement899 KB
- One Key Mastercard Account Agreement838 KB
- One Key+ Mastercard Account Agreement841 KB
- Tarjeta de Crédito Choice Privileges Mastercard710 KB
- Tarjeta de Crédito Choice Privileges Select Mastercard713 KB
More from this issuer
Purchase APR
19.24–28.49%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $949.70 incl. $95 fee
Purchase APR
19.24–28.49%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $854.70
Purchase APR
19.49–28.49%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $949.70 incl. $95 fee