Wells Fargo Active Cash vs One Key Card
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 Card 1.5% 1.5x base rate
Dining
- One Key Card 3.0% 3x
- Active Cash 2.0% 2% base rate
Groceries
- One Key Card 3.0% 3x
- Active Cash 2.0% 2% base rate
Gas
- One Key Card 3.0% 3x
- Active Cash 2.0% 2% base rate
Travel · portal
- One Key Card · Expedia, Hotels.com and Vrbo 3.0% 3x
What the numbers are doing
Abroad the answer flips: Active Cash charges a 3% foreign transaction fee, so once that comes off the rate One Key Card is the better card for everyday spend.
Where they differ: Active Cash takes everything else; One Key Card takes dining, groceries and gas.
| Category | Best card |
|---|---|
| Everything else | Active Cash2.0% |
| Dining | One Key Card3.0% |
| Groceries | One Key Card3.0% |
| Gas | One Key Card3.0% |
| Travel · portal | One Key Card · Expedia, Hotels.com and Vrbo3.0% |
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 Card — 1.5%
Dining
- One Key Card — 3.0%
- Active Cash — 2.0%
Groceries
- One Key Card — 3.0%
- Active Cash — 2.0%
Gas
- One Key Card — 3.0%
- Active Cash — 2.0%
Travel · portal
- One Key Card · Expedia, Hotels.com and Vrbo — 3.0%
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