One Key^TM Mastercard^® Terms and Conditions

One Key^™ Mastercard^® Terms and Conditions

Issued and administered by Wells Fargo Bank, N.A., pursuant to a license from Mastercard International.

IMPORTANT DISCLOSURES

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

We will begin charging interest on cash advances and balance transfers on the transaction date.

Table of Contents

In this application, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your" mean each person who applied for and received a Wells Fargo Credit Card account.

Please note: Information about the Card Account’s interest rates, interest charges, and fees is correct as of July 2024. This information may have changed after that date. To learn of any changes, call 1-833-599-0763.

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?

2. What do you agree to by applying for this credit card account?

3. Are you eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards?

4. Will you qualify if you already have a One Key Mastercard, One Key+ Mastercard or Hotels.com Rewards Visa Credit Card account?

5. What procedures do we use to verify your identity when you open a Card Account?

6. How do we review this application?

7. What should you do once you receive your new card?

8. What is the minimum credit limit?

9. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?

10. How do we calculate your variable APRs?

11. How do we apply your payments?

12. How do we verify information from phone service providers?

13. How and why can we contact you?

14. What happens if your contact information changes?

15. How is the credit card law different for Ohio residents?

16. How is the credit card law different for married Wisconsin residents?

17. How does information sharing work?

18. How does the introductory offer work?

19. What transactions do not qualify for the introductory offer?

20. What is Cellular Telephone Protection?

Part 2: One Key^™ Mastercard^® Rewards Program Agreement Terms and Conditions

1. How do you earn OneKeyCash?

2. How is OneKeyCash calculated?

3. Which transactions do not earn OneKeyCash?

4. When is OneKeyCash calculated? 

5. When is your OneKeyCash available to use?

6. Who receives OneKeyCash from an Authorized User’s card use?

7. What happens to your OneKeyCash if your Card Account or One Key loyalty account closes? 

8. What is our responsibility for your OneKeyCash?

9. How does the automatic One Key Silver tier work?

10. How do I earn One Key Gold tier with my One Key Mastercard?

11. Can we change the Card Rewards Program or these Terms, and can Expedia, Inc. change the One Key loyalty Program or the One Key Terms and Conditions?

12. Can we remove a person from the Card Rewards Program?

13. Can we choose how to enforce our rights?

14. Which terms govern OneKeyCash?

15. What is the governing law for these Terms?

16. Which arbitration terms apply?

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?

   This application is for a One Key Mastercard account with Wells Fargo Bank, N.A.

2. What do you agree to by applying for this credit card account?

   • Correct Information

     You agree that all the information you provided in this application is true, correct, and complete.

   • Legal Capability

     You agree that you can legally enter into the Consumer Credit Card Customer Agreement and Disclosure Statement (Agreement).

   • Marital Status

     Regardless of your marital status, you are applying for a credit card account in your own name.

   • Account Agreement

     You agree to the terms and conditions of the Agreement, which we will send to you. You can also access the agreement by using this link: www.wellsfargo.com/credit-cards/agreements/onekey-agreement.  Please note: The Agreement’s terms may change at any time, subject to applicable law.

   • Arbitration Terms

     You agree to the arbitration terms included in the Agreement. You can access the arbitration terms by using this link: www.wellsfargo.com/credit-cards/agreements/onekey-agreement.

   • Financial Liability

     By using this account, you are financially liable (responsible) for any amount you charge or authorize another to charge, including any amounts by any authorized users.

   • Verification

     By applying for this credit card account, you agree that we may:

     • Verify or check any of the information you give us
     • Obtain credit reports about you
     • Investigate your credit, employment, and income history
     • Investigate your state records, including state employment security agency records
     • Report information about your account to consumer reporting agencies

     You also agree that we may obtain a consumer report from consumer reporting agencies to do the following:

     • Consider your application
     • Update, renew, extend credit, review, or collect money on this Account

     Upon your request, we will tell you the name and address of each consumer reporting agency that provides us a consumer report about you.

3. Are you eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards?

   You may not be eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards (collectively called, Introductory Offers) if you have already opened a One Key Mastercard, One Key+ Mastercard, or Hotels.com® Rewards Visa® Credit Card account within the last 48 months from the date of this application, and you received an Introductory Offer, even if the account is closed or has a $0 balance.

4. Will you qualify if you already have a One Key Mastercard, One Key+ Mastercard, or Hotels.com Rewards Visa Credit Card account?

   No. You are only allowed one account.

5. What procedures do we use to verify your identity when you open a Card Account?

   To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.

6. How do we review this application?

   You agree that we can review your criteria to determine which products you qualify for and how much credit we will give you. Further, you agree that we will give you the product and pricing you qualify for.

7. What should you do once you receive your new card?

   As soon as your new card arrives, please confirm with us that you received it. You can confirm your card by using one of many convenient methods that we provided with your card.
   If you do not confirm your card, your requests for certain services may be delayed, such as:
   • Balance transfers
   • Wells Fargo Online®
   • ATM access
   Further, you may also be denied access to your Card Account’s full credit line.

8. What is the minimum credit limit?

   The minimum credit limit is $1,000.00.

9. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?

   If you are applying for an additional card, then you agree that we can distribute your credit limits between each card if:

   • You already have a Wells Fargo Credit Card account that has no current balance, and
   • You have not used the Wells Fargo Credit Card account for any reason within the past six months.

   Please note: You can change or re-distribute your credit limits on your own by calling Customer Service any time at the number listed on the back of your card. Certain restrictions may apply.

10. How do we calculate your variable APRs?

    A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your variable APR for each billing period, we use the U.S. Prime Rate and add a margin.

    • How We Determine the U.S. Prime Rate

      Each billing period, we use the U.S. Prime Rate that the Wall Street Journal publishes in its Money Rates section three business days before your billing statement’s closing date. When more than one U.S Prime Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our sole discretion. As of 12/23/2024, the U.S. Prime Rate is 7.75%.

    • How We Calculate Your Variable APR

      We use the following margins:

      • For purchases and balance transfers: We add either 11.74%, 16.74%, or 21.74% to the U.S. Prime Rate. Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%.
      • For cash advances: We add 21.74% to the U.S. Prime Rate. The Maximum APR is 29.99%.

      We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as allowed by applicable law.

      Please note: You may not qualify for the lowest APRs described. We review your credit report, information provided in your application, and other available relevant information to determine your APRs.

11. How do we apply your payments?

    • Minimum Payment

      Generally, we process your minimum payment in the following order:
      1. Lower APR balances (such as purchases)
      2. Higher APR balances (such as cash advances)

    • Amounts in Excess of the Minimum Payment

      If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.

12. How do we verify information from phone service providers?

    We may contact your past, present, and future phone service providers to verify information that you gave us including any phone numbers against their records about you (such as name, address and account status).

13. How and why can we contact you?

    We may call or text you at any phone number you provide to us for your Card Account. You further agree that you own or are authorized to provide that phone number. You understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, that may incur as a result of us trying to contact you at those number(s).
    If you give us a mobile phone number, you understand and agree that we may contact you using an auto dialer, prerecorded or artificial voice message, or text message. You also understand that your mobile carrier may charge message or data fees.

14. What happens if your contact information changes?

    You must promptly contact us if you change any of the contact information you provided us. This information includes your:
    • Name
    • Email addresses
    • Mailing address
    • Phone numbers

15. How is the credit card law different for Ohio residents?

    Notice: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

16. How is the credit card law different for married Wisconsin residents?

    Notice: If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

17. How does information sharing work?

    If you open a One Key Mastercard, we will give your full account number to Expedia, Inc. We may share Card Account information and other personal data with Expedia, Inc. to administer or service the Card Rewards Program and to market Expedia, Inc. and Card Account related products and services including but not limited to adding the One Key Mastercard as the default payment on Expedia, Hotels.com and/or Vrbo. Expedia, Inc. may share personal data with Wells Fargo in accordance with applicable Expedia Group Privacy Statements.

18. How does the introductory offer work?

    $400 in OneKeyCash

    How You Qualify for $400 in OneKeyCash™ *

    You must have an open One Key loyalty account. To further qualify, you must post at least $1,000 in Net Purchases to your Card Account within 3 months from the date you opened it. A Net Purchase is a purchase minus returns and credits.

    When Rewards Will Be Available

    The OneKeyCash that you earn through the introductory offer will post to your One Key loyalty account within one to two billing periods after you earn it.

    *As stated in the One Key Terms and Conditions, OneKeyCash is promotional in nature and has no cash value and may not be redeemed for cash under any circumstances. OneKeyCash is subject to the One Key Terms and Conditions, which can be referenced at https://www.expedia.com/one-key-terms. We have provided this link for your convenience only. While we have a relationship with Expedia, Inc., we do not operate their sites. In addition, their security and privacy policy may be different. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

19. Which transactions do not qualify for the introductory offer?

    The following transactions are not considered purchases and do not qualify:

    • Cash Advances and Any Kind of Equivalents
      • ATM transactions
      • Cash advances
      • Money orders
      • Pre-paid gift cards
      • Traveler’s checks
      • Wire transfers
    • Balance Transfers
    • Disputes and Illegal Transactions
      • Disputed or illegal purchases
      • Purchases that violate these Terms or Addendum, or the Agreement
    • Fees and Interest

      Any fees or interest that post to your Card Account, such as:

      • Annual or monthly fees
      • Late fees
      • Returned payment fees
    • Gambling Transactions

      Any gambling transactions you make, including:

      • Bets or wagers made online
      • Casino gaming chips
      • Lottery tickets
      • Off-track wagers

20. What is Cellular Telephone Protection?

    As a cardholder, you may be able to receive Cellular Telephone Protection. This coverage is a supplemental insurance policy. That means the policy is in addition to and supplemental to other insurance policies or protection that you may have, such as:

    • Cellular wireless telephone insurance programs

    • Insurance policies for homeowners, renters, automobiles, or employers

    Coverage is provided after you use all other available insurance or protection, and it is subject to this policy’s terms, conditions, exclusions, and coverage limits of this benefit.

    • Coverage Purpose

      This coverage can reimburse you (pay you back) for the cost to repair or replace your Cell Phone if it is ever:

      • Damaged

      • Stolen

      • Unable to be recovered as a result of Involuntary and Accidental Parting

      "Involuntary and Accidental Parting" means that you have an unintended separation from your Cell Phone, and you know its location but cannot recover it.

      This coverage applies to all Cell Phones that appear on your Wireless Bill.

      "Wireless Bill" means your Cell Phone providers’ monthly billing statement that includes charges for your data, cellular service, or Cell Phone installment payments.

    • How to Receive this Coverage

      You must use your covered Wells Fargo Credit Card to pay your monthly Wireless Bill.

    • When the Charge Must Post to Your Covered Account

      Your Wireless Bill charge must post to your covered One Key Mastercard Account one month before your Cell Phone is damaged, stolen, or unrecoverable due to Involuntary and Accidental Parting.

      The coverage does not apply if you pay your bill using any of the following:

      • Wells Fargo Debit Card

      • Wells Fargo Business Credit Card

      • Wells Fargo Commercial Card

      • The card that you link to your Line of Credit

    • Coverage Timing

      • When Coverage Starts: The first day of the calendar month after you pay your first Wireless Bill using your covered One Key Mastercard

      • How Long Coverage Lasts: As long as you continue charging your monthly Wireless Bill to your covered One Key Mastercard

    • Claims Frequency and Reimbursement Amounts

      In a twelve-month period, we will pay up to two claims that reimburse you the cost to repair or replace your original Cell Phone. We will reimburse you up to $1,000 per claim and a maximum of $2,000 per twelve-month period. Your reimbursement will be whichever of the following amounts is less:

      • The cost to repair the Cell Phone, minus your deductible.

      • The cost to replace the Cell Phone with similar features and functionality at the current market value at the time of loss, minus your deductible.

      • $1,000 per claim.

    • Deductible Amount

      You pay a $25 deductible that we subtract from your reimbursement of the cost to repair or replace your Cell Phone.

    • Examples of What We Do Not Cover

      This benefit only covers damage that affects your Cell Phone’s capabilities or functionality and does not cover:

      • Cosmetic damage

      • Cracked screens

      • Scratches

      For the complete Cellular Telephone Protection coverage benefits, limitations, and exclusions, go to: www.wellsfargo.com/onekeyplusbenefits. Virginia Surety Company, Inc provides this Cellular Telephone Protection.

      Please note: We encourage you to set up automatic payments with your cellular provider. We do not require you to do so to qualify for Cellular Telephone Protection. However, to receive this Coverage, you must have paid your Wireless Bill with your covered One Key Card in the month before your Cell Phone was either stolen, lost, or damaged.

Part 2: One Key^™ Mastercard^® Rewards Program Agreement Terms and Conditions

For this agreement, "you" and "your" mean each person who owns a One Key Mastercard (Card Account) and participates in the One Key loyalty program.

• Represent all the Program’s "rules" for our credit card
• Include any additional terms and conditions provided
• Include terms and conditions for earning bonus Rewards disclosed with the promotional offer
• Is separate from and additional to the One Key Terms and Conditions managed by Expedia, Inc. and does not include all of the information you need to know about the One Key loyalty program

The One Key Terms and Conditions governs your participation in the One Key loyalty program.  The One Key loyalty program including OneKeyCash^™ and the earning, redemption, expiration, and forfeiture of OneKeyCash is subject to the One Key Terms and Conditions at https://www.expedia.com/one-key-terms. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

By participating in both the One Key Mastercard Rewards Program and the One Key loyalty program, you agree to these Terms. You also acknowledge that you must consent to certain agreements to use your account online.

1. How do you earn OneKeyCash*?

   The Card Rewards Program is automatically available to each person ("You" and "your") that has a One Key Mastercard ("Card Account") if your Card Account is open and not delinquent. You also must have an open U.S. One Key loyalty account. You can earn unlimited OneKeyCash unless you are told otherwise.  You can do so in a variety of ways, including:

   • Credit Card Purchases

     • At qualifying merchants
     • With other promotions or offers that are provided to you

   • Promotions and Offers

     You may earn bonus OneKeyCash for promotions or offers on your Card Account. The terms and conditions for such promotions or offers will be provided at the time of the offer. A limit may exist on bonus OneKeyCash.

     Our only obligation with awarding of OneKeyCash is to make a valid request to Expedia, Inc. to  deposit OneKeyCash into your One Key loyalty account. After we provide this request, we are not liable or responsible for Expedia, Inc.’s failure to award or redeem OneKeyCash to or from your associated One Key loyalty account.

     *As stated in the One Key Terms and Conditions, OneKeyCash is promotional in nature and has no cash value and may not be redeemed for cash under any circumstances. OneKeyCash is subject to the One Key Terms and Conditions, which can be referenced at https://www.expedia.com/one-key-terms. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

2. How is OneKeyCash calculated?

   Base Rewards

   You earn 1.5% in OneKeyCash for every $1 you spend on eligible Net Purchases. The amount is rounded to the nearest one cent.

   Bonus Rewards Earned at Expedia, Hotels.com, and Vrbo

   You earn an additional 1.5% in OneKeyCash (for a total of 3% in OneKeyCash) for every $1 you spend on eligible Net Purchases you make with your Card Account for the following bookings made through the US version of Expedia, Hotels.com, or Vrbo

   • Activities
   • Car rentals 
   • Cruises
   • Flights
   • Hotels
   • Packages 

   The following transactions may not earn bonus rewards: 

   • Purchases made through PayPal
   • Charges made directly by the travel supplier after the booking is made including, but not limited to, resort fees, fuel charges, incidentals, upgrades, change fees and cancellation fees
   • Damage deposits, damage fees, and damage protection on accommodation rental bookings
   • Bookings made prior to Card Account application approval
   • Bookings that are cancelled, changed or extended directly with the travel partner rather than Expedia, Hotels.com, or Vrbo
   • Bookings that are made without being logged into the primary cardholder’s One Key loyalty account that is associated with the  Card Account used for payment on purchases where Expedia, Hotels.com, or Vrbo is not the merchant of record

   • Event tickets purchased on https://www.expedia.com/event-tickets

   • Bookings made on the "Groups & Meetings" link on a Participating Brand

   Purchases not processed using the correct merchant codes for Airlines, Car Rentals, Hotels, Cruises, Real Estate Managers, or Travel Agency for Mastercard will not qualify for bonus rewards. We do not control how a retailer is classified to a Mastercard category. Additionally, purchases that process using information that does not match your reservation, such as hotel location or incorrect merchant category, may not be eligible for bonus rewards. Wells Fargo reserves the right to determine which purchases are eligible for bonus rewards. 

   Bonus Rewards Earned at Gas Stations, Grocery Stores, and Dining 

   You earn an additional 1.5% in OneKeyCash (for a total of 3% in OneKeyCash) for every $1 you spend on qualifying Net Purchases you make with your Card Account. We round the purchases amount to the nearest one cent. These retailers must use the following Mastercard merchant categories:

   • Gas Stations

     • Automated fuel dispensers
     • Electric vehicle charging stations
     • Gas stations

     Please note: Gas or electric vehicle charging purchases made at the following locations may not earn bonus rewards when not coded in one of the categories listed above:

     • Auto repair stores
     • Superstores
     • Car washes
     • Warehouse/membership clubs

   • Groceries

     • Bakeries & delis
     • Candy, nut, and confectionary stores
     • Grocery stores
     • Supermarkets
     • Miscellaneous food stores including convenience stores, markets, specialty stores, and vending machines

     Please note: Grocery purchases made at the following locations may not earn bonus rewards when not coded in one of the categories listed above:

     • Meal kit delivery services
     • Warehouses/membership clubs

   • Dining 

     • Caterers
     • Drinking places
     • Eating places and restaurants 
     • Fast food restaurants

   Purchases that Do Not Earn Additional Bonus Rewards

   Purchases you make outside of the approved categories do not qualify for bonus rewards. However, you will still earn 1.5% in OneKeyCash on Net Purchases. We do not control how a retail business is classified to a Mastercard Category. Therefore, we reserve the right to decide which purchases qualify for bonus rewards. This includes purchases you make using a third-party payment account, with a mobile/ wireless card reader, or through an online marketplace with multiple retailers.

3. Which transactions do not earn OneKeyCash?

   The following transactions are not considered purchases and do not earn OneKeyCash:

   • Cash Advances and Any Kind of Equivalents

     • ATM charges
     • Cash advances
     • Money orders
     • Pre-paid gift cards
     • Traveler’s checks
     • Wire transfers

   • Balance Transfers

   • Disputes and Illegal Transactions

     • Disputed or illegal purchases
     • Purchases that violate these Terms or Addendum, or the Agreement

   • Fees and Interest

     Any fees or interest that post to your Card Account, such as:
     • Annual or monthly fees
     • Returned payment fees
     • Late fees

   • Gambling Transactions

     Any gambling transactions you make, including:
     • Bets or wagers made online
     • Casino gaming chips
     • Lottery tickets
     • Off-track wagers

4. When is OneKeyCash calculated?

   OneKeyCash is calculated each Billing Cycle. "Billing Cycle" means the timeframe between your Card Account’s statements.  In some instances, it may take up to 2 Billing Cycles for OneKeyCash to be calculated.

5. When is your OneKeyCash available to use?

   OneKeyCash you earned during a Billing Cycle is transferred to your One Key loyalty account after each Billing Cycle ends. You can refer to your monthly billing statement for your earned OneKeyCash.

6. Who receives OneKeyCash from an Authorized User’s card use?

   OneKeyCash awarded through the use of the authorized user’s card on your Card Account will only be credited to your One Key loyalty account.

7. What happens to OneKeyCash if your Card Account or One Key loyalty account closes?

   • Your Card Account Closes

     You will lose any OneKeyCash associated with purchases that have not already been allocated to OneKeyCash if your Card Account closes for any reason. You also will lose any OneKeyCash that has not yet transferred to your One Key loyalty account if we close your Card Account due to fraud or misuse of the Cards Rewards Program or you violate any of the following:
     • These Terms
     • One Key Terms and Conditions
     • Consumer Credit Card Customer Agreement & Disclosure Statement

   • Your One Key Loyalty Account Closes

     Your Card Account will close if your U.S. One Key loyalty account closes for any reason. 

8. What is our responsibility for your OneKeyCash?

   Our only obligation with the award and redemption of OneKeyCash is to make a valid request to Expedia, Inc. to award OneKeyCash to your associated One Key loyalty  account. After we provide this request, we are not liable or responsible for Expedia, Inc.’s failure to award or redeem OneKeyCash to or from your associated One Key loyalty account.

9. How does the automatic One Key Silver tier work?

   You must have a U.S. One Key loyalty account to receive automatic One Key Silver tier. You will continue to automatically receive Silver tier as long as your One Key Mastercard is open. Only the primary cardholder is eligible to receive automatic One Key Silver tier. No Trip Elements are awarded as part of the automatic Silver tier. To learn more about One Key Silver tier, please visit https://www.expedia.com/welcome-one-key. The One Key loyalty program, including the benefits of tier membership, are subject to the One Key Terms and Conditions at: https://www.expedia.com/one-key-terms. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

10. How do I earn One Key Gold tier with my One Key Mastercard?

    To qualify for Gold tier, you must make a total of at least $15,000 in Net Purchases on the One Key Mastercard in a calendar year.  No Trip Elements are awarded as part of the tier qualification. It may take up to 30 days for the tier to be awarded after it is earned. Gold tier is valid for the remainder of the calendar year you qualified, the next full calendar year, and through February 28 of the following year.  To learn more about One Key Gold tier, please visit https://www.expedia.com/welcome-one-key.  The One Key loyalty program, including the benefits of tier membership, are subject to the One Key Terms and Conditions at: https://www.expedia.com/one-key-terms. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

11. Can we change the Card Rewards Program or these Terms, and can Expedia, Inc. change the One Key Loyalty Program or the One Key Terms and Conditions?

    Yes. We reserve the right to amend, cancel, or temporarily suspend the Card Rewards Program and these Terms. We can do so in whole or in part, or change any of the terms at any time and for any reason. If we make any material changes, we will notify you ahead of time in writing. 

    Separately, Expedia, Inc. may modify the One Key loyalty program at any time without notice in accordance with the One Key Terms and Conditions.  Refer to One Key Terms and Conditions (https://www.expedia.com/one-key-terms) for more information. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Wells Fargo has no responsibility for the administering of the One Key loyalty program.

12. Can we remove a person from the Card Rewards Program?

    Yes. We reserve the sole right to remove any person from the Card Rewards Program for the following reasons that we determine:
    • Suspected fraud or abuse of the Card Rewards Program privileges
    • Violation of these Terms

13. Can we choose how to enforce our rights?

    Yes. We reserve the right to delay or not enforce any of our rights under the Card Rewards Program. We can do so without waiving or losing our rights to enforce them later.

14. Which terms govern OneKeyCash?

    The One Key Terms and Conditions govern all accrued and issued OneKeyCash. To refer to the complete terms and conditions, visit: https://www.expedia.com/one-key-terms. You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. Our only obligation with awarding of OneKeyCash is to make a valid request to Expedia, Inc. to  deposit OneKeyCash into your One Key loyalty  account. After we provide this request, we are not liable or responsible for Expedia, Inc.’s failure to award or redeem OneKeyCash to or from your associated One Key loyalty account.  Wells Fargo has no responsibility for the administering of the One Key loyalty program.

15. What is the governing law for these Terms?

    Federal law and South Dakota laws govern these Terms.

16. Which arbitration terms apply?

    These Terms are part of your Credit Card agreement with us. Any listed arbitration provisions, including the Military Lending Act, will apply to these Terms.
    
    The One Key Mastercard Credit Card is issued and administered by Wells Fargo Bank, N.A. pursuant to a license from Mastercard 
    
    One Key, OneKeyCash and the One Key Logo are trademarks or registered trademarks of Expedia, Inc.