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 $99. Signup bonus: $400 OneKeyCash after spending $3,000 in the first 3 months. Cash back: 3% on Expedia, Hotels.com, and Vrbo bookings; 3% at gas stations, grocery stores, and restaurants; 2% on everything else (vs 1.5% on the no-annual-fee version). 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 — premium tier of the One Key family with $99 annual fee. Includes everything in the no-fee One Key Card plus: 2% on non-bonus purchases (vs 1.5%), automatic Gold tier in One Key rewards (20%+ off hotels, room upgrades at VIP Access properties, better overall perks), $100 OneKeyCash anniversary bonus every year you keep the card, $100 credit for TSA PreCheck or Global Entry. Same soft-pull prequal mechanic as the base One Key Card via expedia.com / hotels.com. Hard pull from Experian on accept. OneKeyCash limitations apply: not usable on travel packages, flight redemptions must cover the entire amount, 18-month expiration on inactivity, $100 anniversary bonus expires in 1 year if unused.