Wells Fargo Active Cash vs One Key+
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Active Cash 2.0% 2% base rate
- One Key+ 2.0% 2x base rate
Dining
- One Key+ 3.0% 3x
- Active Cash 2.0% 2% base rate
Groceries
- One Key+ 3.0% 3x
- Active Cash 2.0% 2% base rate
Gas
- One Key+ 3.0% 3x
- Active Cash 2.0% 2% base rate
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Active Cash $0 and One Key+ $99 a year, so a thin lead in one category may not cover the difference.
Where they differ: One Key+ takes dining, groceries and gas. Active Cash wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Active Cash2.0% |
| Dining | One Key+3.0% |
| Groceries | One Key+3.0% |
| Gas | One Key+3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Active Cash — 2.0%
- One Key+ — 2.0%
Dining
- One Key+ — 3.0%
- Active Cash — 2.0%
Groceries
- One Key+ — 3.0%
- Active Cash — 2.0%
Gas
- One Key+ — 3.0%
- Active Cash — 2.0%
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