We prove the Tate conjecture for divisor classes and the Mumford-Tate conjecture for the cohomology in degree 2 for varieties with h 2,0 = 1 over a finitely generated field of characteristic 0, under a mild assumption on their moduli. As an application of this general result, we prove the Tate and Mumford-Tate conjectures for several classes of algebraic surfaces with p g = 1.