The Wells Fargo One Key Card is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $0. Signup bonus: $300 OneKeyCash after spending $1,000 in the first 3 months. Cash back: 3% on Expedia, Hotels.com, and Vrbo bookings; 3% at gas stations, grocery stores, and restaurants; 1.5% on everything else. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Wells Fargo + Expedia One Key Card. Earns OneKeyCash (Expedia/Hotels.com/Vrbo internal currency, redeemable for flights, hotels, and vacation rentals on those platforms — NOT cash, not transferable to bank). Includes Silver tier in the One Key rewards program (15%+ off thousands of hotels). Soft-pull pre-approval available via expedia.com or hotels.com pop-ups (often shows higher offers than the Wells Fargo prequal page itself). Hard pull from Experian on accept. Real approval data points: $16K-$30K starting limits common; one user reported a $20K offer despite a 2022 Wells Fargo Chapter 7 bankruptcy. No annual fee, no foreign transaction fees. Travel perks: trip cancellation, primary auto rental insurance, cell phone protection. OneKeyCash limitations: cannot be used on travel packages; flight redemptions must cover the entire amount (no partial); points expire after 18 months of inactivity.