Wells FargoOne Key+ MastercardRegistry illustration · issuer artwork unavailable

One Key+ MastercardWells Fargo · N bank, AK · FDIC 3511

CurrentLast observed Sep 6, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer · unsecured

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Purchase APR

median 28.49%

variable

Balance transfer

—

Cash advance APR

28.49%

variable

Annual fee

—

Foreign fee

—

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	Not disclosedWells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Prime Rate + 11.74% to Prime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.”Wells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 21
APR for balance transfers	Not disclosedWells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Prime Rate + 11.74% to Prime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.”Wells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 21
APR for cash advances	28.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Rate mechanics · Balance transfer	11.74%–21.74%	—	—
Rate mechanics · Purchase	11.74%–21.74%	—	—
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$1	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $40 — How we will calculate your late payment feesWells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $40”Wells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 21
Returned payment	—	no source read
Installment-plan feesfees attached to a converted plan	$0, for installment plans, Monthly fee of $0 for eligible Expedia transactions.Wells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Monthly fee of $0 for eligible Expedia transactions.”Wells Fargo Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 21
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Tarjeta One Key+ Mastercardpage 9 of 21

Algunos comercios fuera de EE. UU. pueden darle una opción sobre cómo convertir la transacción con Tarjeta de Crédito en dólares estadounidenses. Pueden ofrecerle la opción de elegir que Mastercard o el comercio hagan la conversión. Si usted elige que la haga el comercio, este determina el tipo de conversión, no Mastercard. En esa situación, no le cobramos un cargo por conversión de moneda extranjera/transacción en el extranjero.

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Parte 3: Comprender los cargos e intereses

1. ¿Cu á les son los cargos de la Cuenta?

Los siguientes cargos podrán aplicarse a su Cuenta y usted conviene en pagarlos. Si efectivamente se aplican, encontrará el monto en el documento Términos Importantes de Su Cuenta de Tarjeta de Crédito.

Tipo de cargo · Cuándo cobramos este cargo Cuota Anual · Agregaremos este cargo a su estado de cuenta mensual una vez al año, independientemente de que usted use o no esta Cuenta, comenzando a partir del mes posterior a la apertura de su Cuenta. Agregamos este cargo a su saldo de Compras, lo cual podría generar cargos por intereses. Para evitar futuras cuotas anuales, deberá cerrar su Cuenta antes de que le cobremos la cuota anual. Usted podría ser elegible para un reembolso de la cuota anual dependiendo de cuándo cierre su Cuenta. Cargo por Transferencia de Saldo · En una transacción de Transferencia de Saldo Cargo por Adelanto en Efectivo · En un Adelanto en Efectivo desde su Cuenta Cargo por Conversión de Moneda Extranjera/Transacción en el Extranjero · Si usted realiza una transacción en una moneda extranjera y Mastercard la convierte a un monto en dólares estadounidenses Cargo mensual del Plan de Compra · Se cobra cada mes por la duración de su(s) Plan(es) de Compra, si corresponde Cargo por Pago Atrasado · Cada vez que no recibamos el Pago Mínimo requerido a más tardar en la Fecha de Vencimiento del Pago Cargo por Entrega Rápida de Tarjeta · Si nos solicita la entrega rápida de su Tarjeta de Crédito

Podremos cobrar cargos adicionales si usted y nosotros convenimos en ellos. Agregamos todos los cargos a su saldo de Compras, excepto los cargos por Adelantos en Efectivo. Agregamos esos cargos al saldo de Adelantos en Efectivo de su Cuenta.

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2. ¿Cu á ndo cobramos intereses en su Cuenta?

Para la mayoría de las transacciones: Cobraremos intereses a partir de la fecha en que usted realiza la transacción en su Cuenta.

Para cargos: Cobramos intereses a partir del primer día del Ciclo de Facturación después del Ciclo de Facturación anterior en el que el cargo se registre en su Cuenta.

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3. ¿Tiene su Cuenta un Cargo M í nimo por Intereses?

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21Pages 9 and 20 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 21
“Prime Rate + 11.74% to Prime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.”
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 21
“Prime Rate + 11.74% to Prime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.”
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 21
“Up to $40”
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 21
“Monthly fee of $0 for eligible Expedia transactions.”
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Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 21
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 20
“Si se le cobran intereses, el cargo no será inferior a $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 20
“Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 20
“Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“Agregaremos este cargo a su estado de cuenta mensual una vez al año, independientemente de que usted use o no esta Cuenta, comenzando a partir del mes posterior a la apertura de su Cuenta. Agregamos este cargo a su saldo de Compras, lo cual podría generar cargos por intereses. Para evitar futuras cuotas anuales, deberá cerrar su Cuenta antes de que le cobremos la cuota anual. Usted podría ser ele…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“En una transacción de Transferencia de Saldo”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“En un Adelanto en Efectivo desde su Cuenta”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“Si usted realiza una transacción en una moneda extranjera y Mastercard la convierte a un monto en dólares estadounidenses”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 9
“Cada vez que no recibamos el Pago Mínimo requerido a más tardar en la Fecha de Vencimiento del Pago”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Additional Fees, Other Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:one-key-mastercard
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Late payment fee, Periodic fee, Purchase APR
Dec 31, 2025: Balance transfer terms, Card terms, Cash advance APR, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Wells Fargo
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3511
Branches: 4,185 in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Sources: Official issuer · 2 documents · 2 pages cited

Documents

Tarjeta One Key+ Mastercardeffective date not parsed
One Key+ Mastercard Account Agreementeffective date not parsed

One Key+ MastercardWells Fargo · N bank, AK · FDIC 3511

Rates and fees