Wells Fargo Attune vs One Key+
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- One Key+ 2.0% 2x base rate
- Attune 1.0% 1% base rate
Dining
- One Key+ 3.0% 3x
- Attune 1.0% 1% base rate
Groceries
- One Key+ 3.0% 3x
- Attune 1.0% 1% base rate
Gas
- One Key+ 3.0% 3x
- Attune 1.0% 1% base rate
Streaming
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Sporting goods
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Gyms
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
EV charging
- Attune 4.0% 4%
- One Key+ 3.0% 3x
Campgrounds
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Attractions
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Public transit
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Live events
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Movie theaters
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
Amusement parks
- Attune 4.0% 4%
- One Key+ 2.0% 2x base rate
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Attune $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 everything else, dining, groceries and gas; Attune takes streaming, sporting goods, gyms and ev charging, plus 6 more.
| Category | Best card |
|---|---|
| Everything else | One Key+2.0% |
| Dining | One Key+3.0% |
| Groceries | One Key+3.0% |
| Gas | One Key+3.0% |
| Streaming | Attune4.0% |
| Sporting goods | Attune4.0% |
| Gyms | Attune4.0% |
| EV charging | Attune4.0% |
| Campgrounds | Attune4.0% |
| Attractions | Attune4.0% |
| Public transit | Attune4.0% |
| Live events | Attune4.0% |
| Movie theaters | Attune4.0% |
| Amusement parks | Attune4.0% |
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
- One Key+ — 2.0%
- Attune — 1.0%
Dining
- One Key+ — 3.0%
- Attune — 1.0%
Groceries
- One Key+ — 3.0%
- Attune — 1.0%
Gas
- One Key+ — 3.0%
- Attune — 1.0%
Streaming
- Attune — 4.0%
- One Key+ — 2.0%
Sporting goods
- Attune — 4.0%
- One Key+ — 2.0%
Gyms
- Attune — 4.0%
- One Key+ — 2.0%
EV charging
- Attune — 4.0%
- One Key+ — 3.0%
Campgrounds
- Attune — 4.0%
- One Key+ — 2.0%
Attractions
- Attune — 4.0%
- One Key+ — 2.0%
Public transit
- Attune — 4.0%
- One Key+ — 2.0%
Live events
- Attune — 4.0%
- One Key+ — 2.0%
Movie theaters
- Attune — 4.0%
- One Key+ — 2.0%
Amusement parks
- Attune — 4.0%
- One Key+ — 2.0%
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