One Key+ Card

Wells Fargo · WORLD ELITE MASTERCARD · annual fee $99

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 3% Expedia, Hotels.com, and Vrbo bookings
• 3% Gas stations
• 3% Grocery stores
• 3% Dining
• 2% Everything else

Statement credits, at their advertised value

• Anniversary OneKeyCash Bonus, up to $100 a year
• Global Entry / TSA PreCheck Credit, up to $30 a year

Advertised total $130 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 18.49%, 23.49%, or 28.49% (based on creditworthiness)

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/wells-fargo-one-key-plus.