Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
One Key™ Mastercard® Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.74% up to 29.74%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. One Key™ Mastercard® Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of One Key™ Mastercard® Credit Card
| The Good | The Bad |
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One Key™ Mastercard® Credit Card FAQ
Does One Key™ Mastercard® Credit Card have a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 5 % cash back - 9 % cash back (Up to 9% on Expedia and Hotels.com. 5% on Vrbo.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for One Key™ Mastercard® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Does One Key™ Mastercard® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does One Key™ Mastercard® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for One Key™ Mastercard® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for One Key™ Mastercard® Credit Card?
What is the support contact email for One Key™ Mastercard® Credit Card?
How do people rate the customer service and user experience of One Key™ Mastercard® Credit Card?
Does One Key™ Mastercard® Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Wells Fargo Bank perform a hard credit pull?
How to apply for One Key™ Mastercard® Credit Card
- Visit the website of One Key™ Mastercard® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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850
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Purchase APR
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Annual Fee
Purchase APR
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Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
Annual Fee
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SuperMoney Net Recommendation Score
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