Is the One Key+ Card subject to Chase's 5/24 rule?

No, the One Key+ Card is issued by Wells Fargo and is not subject to Chase's 5/24 rule. However, Wells Fargo has its own application rules, including a general limit of approximately one new card every six months.

What credit score do I need for the One Key+ Card?

While Wells Fargo does not publish a specific minimum credit score, applicants typically need a good to excellent credit score to be approved for the One Key+ Card.

Can I get the One Key+ Card bonus twice?

Wells Fargo has a general policy of 48-month bonus eligibility on some of its products. You should review the specific terms and conditions for the One Key+ Card during your application to confirm if this rule applies to its welcome bonus.

What is the annual fee for the One Key+ Card?

The One Key+ Card has an annual fee of $99.

Does the One Key+ Card have foreign transaction fees?

No, the One Key+ Card does not charge foreign transaction fees, making it a suitable option for international travel.

One Key+ Card: $600 Bonus & $501 Net Value (June 2026)

Q: How much do I need to spend to earn the One Key+ Card welcome bonus?

To earn the $600 welcome bonus, you must spend $3,000 on eligible purchases within the first 90 days of account opening.

The One Key+ Card offers a compelling $600 welcome bonus after you spend $3,000 within the first 90 days of account opening. With an estimated net value of $501 (after accounting for the $99 annual fee), this card presents a solid opportunity for churners. Eligibility typically requires good to excellent credit and adherence to Wells Fargo's application rules, including a limit of approximately one new card every six months. This offer, as of June 2026, is a strong contender for those looking to boost their rewards balance.

Current Welcome Bonus & Value

The One Key+ Card currently offers a $600 bonus in dollars. This welcome offer has an estimated net value of $501 USD, taking into account the card's annual fee.

Minimum Spend to Earn It

To earn the $600 welcome bonus, you must spend $3,000 on eligible purchases within the first 90 days of account opening.

Who's Eligible

Applying for the One Key+ Card requires careful consideration of Wells Fargo's application rules:

Wells Fargo 1/6 Rule: You are generally limited to opening approximately one Wells Fargo card every six months.
Bonus Eligibility: While not explicitly stated for this specific card, Wells Fargo has a general policy of 48-month bonus eligibility on some of its products. Always review the specific terms and conditions during application.
Credit Score: Applicants typically need a good to excellent credit score to be approved for the One Key+ Card.

Is It Worth It?

Evaluating the One Key+ Card for your churning strategy involves weighing its benefits against its costs.

Pros:

Generous Welcome Bonus: A $600 bonus for a $3,000 spend is a strong return on investment.
No Foreign Transaction Fees: This card is a good option for international travel, as it does not charge foreign transaction fees.
Estimated Net Value: The estimated $501 net value after the annual fee makes the bonus highly attractive.

Cons:

Annual Fee: The card carries a $99 annual fee, which is deducted from the overall value of the bonus.
Wells Fargo Application Rules: The 1/6 rule and potential 48-month bonus eligibility on other products require strategic planning if you're pursuing multiple Wells Fargo cards.

Overall, the One Key+ Card is worth considering for its substantial welcome bonus, especially if you can easily meet the minimum spend and fit within Wells Fargo's application ecosystem.

How to Apply

To apply for the One Key+ Card, visit the official Wells Fargo website or apply through a secure application link. Ensure you review all terms and conditions, including the welcome bonus requirements and annual fee, before submitting your application.

Alternatives

If the One Key+ Card doesn't align with your current churning goals, or if you're looking for other Wells Fargo products or related options, consider these alternatives:

Wells Fargo Premier Autograph Visa Infinite Credit Card
Choice Privileges
Wells Fargo Autograph Card
Wells Fargo Choice Privileges Select Mastercard
Wells Fargo Autograph Journey Card
Wells Fargo Active Cash Card

Note: All offers are subject to change and are accurate as of June 2026.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

One Key+ Card — $600 bonus