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One Key Card rewards and benefit terms
This offer is not a guarantee of credit. Credit card is subject to credit qualification.
This product is available to you if you do not have a One Key, One Key+, or Hotels.com Card open.
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch.
Eligibility for Introductory Offer
You may not be eligible for the introductory offer if you opened a One Key, One Key+, or Hotels.com Card within the last 48 months from the date of this application even if that account is closed and has a $0 balance.
Introductory Offer
To qualify for $400 in OneKeyCash, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The OneKeyCash earned through the introductory offer will post to your account within 1 ‐ 2 billing periods after it is earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler's checks, money orders, pre‐paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off‐track wagers, do not earn rewards. Refer to the One Key Terms and Conditions for details about OneKeyCash expiration and redemption. Refer to the One Key Mastercard® Rewards Program Agreement Terms and Conditions for additional details about the program.
Earning OneKeyCash on Purchases
3% (1.5% base plus 1.5% bonus) in OneKeyCash is earned per $1 spent on eligible net purchases (purchases minus returns and credits) resulting from eligible accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo using your One Key Mastercard. When outside of the U.S., you will need to actively select the U.S. version of the sites. The following transactions are not eligible and may not earn bonus rewards: 1) purchases made through Paypal, 2) charges made directly by the travel supplier after the booking is made including but not limited to resort fees, incidentals, upgrades, change fees, and cancellation fees, 3) damage deposits, damage fees, and damage protection on accommodation rental bookings, 4) bookings made prior to One Key Mastercard application approval, 5) bookings that are cancelled, changed or extended directly with the travel partner rather than Expedia, Hotels.com, or Vrbo, and 6) bookings that are made without being logged into the primary cardholder’s One Key member account that is associated with the One Key Mastercard used for payment on purchases where Expedia, Hotels.com, or Vrbo is not the merchant of record. Additionally, transactions 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 transactions are eligible for bonus rewards. 3% (1.5% base plus 1.5% bonus) in OneKeyCash is earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Other purchases: 1.5% in OneKeyCash is earned per $1 spent on other net purchases. Cash equivalents do not earn rewards. For a detailed list of cash equivalent exclusions, merchant examples that may not be billed under the Mastercard category codes listed above, and purchases that are not eligible for bonus rewards, refer to the One Key Mastercard® Rewards Program Agreement Terms and Conditions.
Automatic Silver Tier
You must be a member of One Key, have created an account on the US-version of Expedia, Hotels.com or Vrbo’s site or app (for app, the region in phone settings must be set to US when the account was created) and have an active One Key account linked to your active One Key Mastercard® to receive One Key Silver tier. You will continue to automatically receive Silver tier as long as your One Key Mastercard is open. Only the primary card holder is eligible to receive automatic One Key Silver tier. No Trip Elements are awarded as part of the automatic Silver tier. Learn more about One Key Silver tier.
Spend to Unlock Gold
To qualify for Gold tier, you must make a total of at least $15,000 in net purchases (purchases minus returns/credits) 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. ATM charges, cash advances, traveler's checks, money orders, pre‐paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off‐track wagers, do not count towards tier qualification. Learn more about One Key Gold tier.
Cellular Telephone Protection
Cellular Telephone Protection can reimburse the One Key Mastercard® cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $1,000. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with a One Key Mastercard. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your One Key Mastercard, and remains in effect when you continue to charge your total monthly cell phone bill to your One Key Mastercard. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.
Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your One Key Mastercard to get up to $1,000 protection.
Trip Cancellation & Interruption Protection
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier passenger fare in the event the trip must be canceled or interrupted because of a covered reason. The entire fare, less redeemable certificates, vouchers, or coupons, must be paid with your One Key Mastercard® and/or rewards program associated with your covered account. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key World Elite Mastercard Guide to Benefits.
Auto Rental Collision Damage Waiver
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to rent the car with your One Key Mastercard® and/or rewards program associated with your covered card account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key World Elite Mastercard Guide to Benefits for details.
Travel Accident Insurance
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip. Common carrier fare must be paid in full with your One Key Mastercard® and/or rewards program associated with your covered account. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key World Elite Mastercard Guide to Benefits for details.
One Key Mastercard is issued and administered by Wells Fargo Bank, N.A., pursuant to a license from Mastercard. Mastercard is a federally registered service mark of Mastercard.
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Content Guidelines
Last updated: 13 February 2024
We know our traveller community values reviews and content created by other travellers and our partners. That’s why it is important to us, and to our travellers, that content on our site and app is truthful, helpful and safe.
Any content that you and other users submit or otherwise contribute, including reviews, photos, comments and listings must comply with these guidelines, so we encourage you to read them carefully. These guidelines are part of our broader polices and terms, including our Terms of Service and Privacy Statement, which set out in more detail the terms on which you grant us a license to use any submitted content.
These guidelines are updated from time to time and the last date of revisions is stated at the top of this page.
Reviews |
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Overview
We understand the importance of trusted reviews to our travellers. Reviews that you submit to our site should be truthful, contain relevant information reflecting your actual experience, and follow these content guidelines.
We moderate all reviews submitted to us, and we take reasonable steps to ensure that only those who have booked or provided a travel service, such as a flight, stay, car rental or activity, can post a review of their experience.
We publish and display all reviews (both positive and negative), as long as they comply with these guidelines.
Any reviews not submitted to us and verified directly by us are clearly labelled.
In some cases, you may be able to submit feedback in real time – this means that you will have the option to provide immediate feedback on your hotel, flight, car hire or any activities booked through our site or app.
Moderation of reviews
We use automation tools to moderate reviews submitted by travellers and identify content that is not in compliance with these guidelines. In some instances where these tools have identified potential violations, the content will be sent to human moderators for further manual review. Any reviews that are found to violate these guidelines will not be published on our site or app. Where reviews are rejected by our moderation processes, the author is informed by email of the rejection, with specific reason(s) where they apply. In some cases, the author also has an opportunity to re-submit their review for re-moderation.
Eligibility and removal of reviews
Eligibility conditions
Any reviews published on our site or app must meet the following eligibility criteria and we can reject or remove any review that doesn't meet these criteria:
- Reviews must be submitted within six months of your stay, car rental or activity. If you submit more than one review for the same property, we'll use the most recent one
- You may not review a property that you own, manage, or are otherwise associated with, and
- Your review must relate to a real experience. If requested, you must provide us with satisfactory evidence for this (for example, evidence of your stay in the property you are reviewing; or evidence you were unable to proceed with a stay due to the other party’s late action).
Removal of reviews
We may reject or remove reviews in the following circumstances:
- The review contains personal data about another person, for example their full name or address
- The review is proven to be fake or was provided fraudulently, or
- The review is offensive, unlawful or contains any prohibited content as set out in these guidelines.
We do not remove reviews simply because they contain negative content. We do not remove reviews of accommodation where a traveller attempted to stay but was not offered a room, or where a traveller left earlier than their scheduled departure day.
Reviews of travel services |
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Review of accommodation
If you have booked accommodations, we will send you an email or a push notification inviting you to review your stay. If you choose to leave a review, each completed section (such as sub-scores for cleanliness or service) will be progressively auto submitted to us.
Incentives
From time to time, we may offer our travellers incentives to complete reviews, such as a savings or a rewards points voucher for use on a future trip. As it’s important to us that reviews are impartial and honest, these incentives are made available regardless of whether you submit a negative or positive review.
Scoring
Travellers can provide an overall score for the property they are reviewing on a straightforward scale of either 1-5 or 1-10. To get the property review score we display we convert all scores received to a score out of 10 and then add up all the published reviews and divide that by the total number of published review scores.
Travellers can also submit sub-scores for specific aspects and features of a property or stay, such as cleanliness, staff, breakfast or location. The overall scores and these sub-scores are submitted by travellers separately, so they may be different.
To ensure reviews are relevant and helpful to travellers, we remove accommodation reviews after three years (except in cases where a property has only a limited number of reviews).
Partner responses
Property partners can respond to reviews. This allows property partners to address any issues raised and highlight any remediation or property improvements they made. We do not facilitate direct contact by property partners with reviewers.
Where a property partner genuinely considers that a review does not meet the criteria and requirements set out in these guidelines, that property partner may either submit a review dispute form to us via their partner services tools or contact Customer Service. We may also consider requests by property partners for reviews to be removed in the context of a property ownership change or completion of major renovations.
We do not share personally identifiable information about review authors or their transactions with property partners.
Vrbo
For vacation rental reviews submitted through our Vrbo sites or app, our moderation process has some specific features. We operate a "two-way review system," in which:
- once either the traveller or partner submits a review, the other party has 14 days to submit a review
- we publish each review (provided they comply with our overall content guidelines) at the same time,
- if, after 14 days of the first review being submitted, the other party has not submitted their own review, we will publish the submitted review (and no additional reviews can be submitted in relation to the stay).
Reviews of car rentals
If you have booked a car rental, we will send you an email or a push notification inviting you to review your rental.
We ask travellers if they had either a positive or negative experience with the pickup and vehicle experience. We then create a cumulative score based on positive/negative feedback on both these points.
Travellers can also submit a positive or negative score for specific aspects of their rental, such as pick up location, pick up time and vehicle condition. The overall scores and these sub-scores are submitted by travellers separately, so they may be different.
We generally display an overall percentage of positive customer ratings for car rental providers, based on rentals made with that provider. To ensure reviews are relevant and helpful to travellers, we remove car rental reviews after 12 months.
Review of local activities and attractions
If you have booked an activity, we will send you an email or a push notification inviting you to review your experience.
Overall or headline review scores are a simple average of all related final scores of published reviews.
Unverified Reviews
From time to time, we may also display reviews and review scores which have not been submitted directly us and have not been verified by us.
Vrbo
Some Vrbo reviews come from a traveller submitting a review directly to one of our property partners outside our site or processes or submitted to Vrbo in accordance with a previous moderation process. These reviews are not verified by the moderation processes outlined in these guidelines. We may still display these reviews, however, to be eligible for publication, those reviews must be either:
- from a property partner, which is required to share with us only verified reviews that meet our overall content guidelines; or
- submitted to Vrbo in accordance with our previous moderation process, which required a valid reservation code from a booking made with one of our property partners.
Each of these types of Vrbo reviews are clearly marked in our reviews display.
Viator and Get Your Guide activity reviews
In addition to our verified activities reviews, we display some reviews of activities gathered in partnership with the well-known travel websites Viator and Get Your Guide. While we do not verify reviews coming from Viator and Get Your Guide, they must meet our overall content guidelines to be published on our site or app.
These reviews are clearly marked as originating from Viator or Get Your Guide in our reviews display.
Review scores from other travel websites
Some properties don’t have any reviews from our travellers who booked on our site or app yet, such as those new to our site. For these properties, we will display an average score using reviews from other well-known third-party travel websites only until the properties receive a review on our site. We don’t display any written content of reviews from these other websites.
We can’t verify reviews from other sites to confirm if they meet our review criteria, however, these reviews scores are imported from well-known third-party travel websites. If a review score is provided on a scale of 1 to 5, we may double it to align with our review scoring on our sites.
Any review scores imported from a third-party travel site are clearly marked in our reviews display.
General Content Guidelines |
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Prohibited Content
We do not allow content that is misleading, harmful or offensive on our site or apps. Content you submit for publication cannot include the following:
- content that is not directly related to its purpose (for example, property listings must only relate to the subject property; property listings should not direct users to third-party websites; and your profile description must relate only to you)
- advertising to other users (for instance, appeals to book alternative properties)
- unlawful statements (including defamatory content), or any other content which you do not have the legal right to publish
- profanity or other objectionable content (such as content that is pornographic, obscene, profane, illegal, offensive, insulting, discriminatory, objectionable, threatening, promotes violence or harm, depicts any nudity or sexual activity, or is otherwise "non-family-friendly")
- photos or information about children or any third parties without their consent (or a parent or legal guardian’s consent in the case of a child under 18 years of age)
- personal data, such as phone numbers, credit card details, physical addresses, email addresses, or information that can be linked to a specific individual
- property rates, rate ranges, or other pricing information in reviews
- HTML tags, URLs or #hastags
- quoted material from websites, books, magazines, newspapers, or other sources, or
- content that is unlawful or infringes on any copyright, trademark, or other intellectual or other proprietary rights of another person.
Please note we retain the right in our reasonable discretion to decide on the appropriateness of content in all instances. We can choose not to publish, or to remove any content that does not comply with the requirements set out in these guidelines (or that we, for any reason, deem as inappropriate).
Guidance on creating content
Below are some useful pointers to keep in mind when creating and submitting content:
- Focus on your experience. Be honest, informative, unique, and detailed
- Use good grammar, spelling, and common sense
- Reviews, and comments on reviews, are not the place to ask for help or voice frustration with us or our service. Please visit our Customer Support site for help instead,
- Don't use plagiarized content or the experiences of others. You may not cut and paste from other review sites or travel sources.
Photo submission guidance
There are some technical aspects that you should keep in mind when submitting photos:
- Images must be in BMP, PNG, GIF, or JPEG format
- File size must be 5 MB or less
- Image must be at least 60 pixels tall
- Image must be at least 60 pixels wide
- No logos, titles, branding, promotional material, or any other content intended for commercial purposes.
Reporting Content |
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Content on our sites
If you believe content posted on our sites might be illegal or might breach these guidelines, please contact Customer Support. If you are logged into our site or app, you are also able to report any concerning reviews by clicking on the ‘report review’ flag provided next to individual published reviews.
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