One Keytrademark™ Dual

Footnote 1. 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. “Purchases” that do not apply to this offer and do not earn rewards include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. 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 more information about the rewards program. ←back to content

Footnote 2. To qualify for $600 in OneKeyCash, a total of at least $3,000 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. “Purchases” that do not apply to this offer and do not earn rewards include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. 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 more information about the rewards program. ←back to content

Footnote 3. 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. ←back to content

Footnote 4. 3% (2% base plus 1% 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% (2% base plus 1% 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: 2% 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. ←back to content

Footnote 5. 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. ←back to content

Footnote 6. 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. ←back to content

Footnote 7. 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 Gold tier. You will continue to automatically receive Gold tier as long as your One Key+ Mastercard® is open. Only the primary card holder is eligible to receive automatic One Key Gold tier. No Trip Elements are awarded as part of the automatic Gold tier. Learn more about One Key Gold tier. ←back to content

Footnote 8. To qualify for Platinum tier, you must make a total of at least 30,000 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. Platinum 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 Platinum tier. ←back to content

Footnote 9. You will earn $100 in OneKeyCash (your "anniversary bonus") each 12 month period (an "anniversary year") that your card account remains open, not delinquent, and not in default at the time the award is issued. Your anniversary year begins on your account open date (your "anniversary date") and ends on the day of the following year prior to your next anniversary date. For example, if your account anniversary date is November 28, your account anniversary will end on November 27 each year. Your anniversary bonus will be awarded at the end of the billing cycle. that your anniversary date occurs. Your anniversary bonus will expire 12 months after it is issued. Refer to the One Key Terms and Conditions for details about OneKeyCash expiration and redemption. ←back to content

Footnote 10. This benefit provides a statement credit up to $120 when you use your eligible One Key+ Card to pay for the application fee or renewal fee for either the Global Entry^® or TSA PreCheck^® program. Your account is eligible for one (1) statement credit every four (4) years for whichever application fee or renewal fee is charged to your account first. The statement credit benefit only applies to the application fee or renewal fee for the Global Entry or TSA PreCheck program. Other programs and fees are not eligible for the statement credit benefit. You must apply for Global Entry or TSA PreCheck through an authorized enrollment provider. You will receive a statement credit for the application fee or renewal fee even if U.S. Customs and Border Protection (CBP) or U.S. Transportation Security Administration (TSA) denies your application.

The maximum statement credit amount is $120. If the purchase amount is less than $120, the cardholder will not receive a refund or reimbursement for the difference. If the purchase amount exceeds $120, the cardholder is responsible for the amount over the $120 maximum reimbursement. A statement credit will be applied to your account within 1-2 billing periods after you pay for the Global Entry or TSA PreCheck application fee or renewal fee with your eligible One Key+ Card.

Global Entry and TSA PreCheck are U.S. government programs. Global Entry is operated by U.S. Customs and Border Protection. TSA PreCheck is operated by U.S. Transportation Security Administration. For complete details on the Global Entry and TSA PreCheck programs, including full terms and conditions, go to globalentry.gov and tsa.gov respectively. The Global Entry trademark and TSA PreCheck trademark are used with the permission of the U.S. Department of Homeland Security. Wells Fargo Bank, N.A. has no control over these programs including, but not limited to, applications, fees, or the approval and enrollment process. Please review the One Key+™ World Elite Mastercard® Guide to Benefits for details. ←back to content

Footnote 11. 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. ←back to content

Footnote 12. 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 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. ←back to content

Footnote 13. 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®. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key™ World Elite Mastercard® Guide to Benefits for details. ←back to content

Footnote 14. 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®. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key+™ World Elite Mastercard® Guide to Benefits for details. ←back to content

Footnote 15. 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 refer to your One Key™ World Elite Mastercard® Guide to Benefits for further details. ←back to content

Footnote 16. 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 refer to your One Key+™ World Elite Mastercard® Guide to Benefits for further details. ←back to content

Footnote 17. 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®. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key™ World Elite Mastercard® Guide to Benefits for details. ←back to content

Footnote 18. 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®. A maximum benefit amount and certain restrictions and limitations apply. Please review the One Key+™ World Elite Mastercard® Guide to Benefits for details. ←back to content

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