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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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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
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.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.
What is the governing law for these Terms?
Federal law and South Dakota laws govern these Terms.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.
