pointslip milestomorrow.com

Wells Fargo Autograph Journey vs One Key+

Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. One Key+ 2.0% 2x base rate
  2. Autograph Journey 1.8% 1x base rate

Dining

  1. Autograph Journey 5.3% 3x
  2. One Key+ 3.0% 3x

Groceries

  1. One Key+ 3.0% 3x
  2. Autograph Journey 1.8% 1x base rate

Gas

  1. One Key+ 3.0% 3x
  2. Autograph Journey 1.8% 1x base rate

Flights

  1. Autograph Journey 7.0% 4x
  2. One Key+ 2.0% 2x base rate

Hotels

  1. Autograph Journey 8.8% 5x
  2. One Key+ 2.0% 2x base rate

Car rental

  1. Autograph Journey 5.3% 3x
  2. One Key+ 2.0% 2x base rate

Cruises

  1. Autograph Journey 5.3% 3x
  2. One Key+ 2.0% 2x base rate

Travel agencies

  1. Autograph Journey 5.3% 3x
  2. One Key+ 2.0% 2x base rate

Campgrounds

  1. Autograph Journey 5.3% 3x
  2. 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 Autograph Journey $95 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, groceries and gas; Autograph Journey takes dining, flights, hotels and car rental, plus 3 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseOne Key+2.0%
DiningAutograph Journey5.3%
GroceriesOne Key+3.0%
GasOne Key+3.0%
FlightsAutograph Journey7.0%
HotelsAutograph Journey8.8%
Car rentalAutograph Journey5.3%
CruisesAutograph Journey5.3%
Travel agenciesAutograph Journey5.3%
CampgroundsAutograph Journey5.3%

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

  1. One Key+ — 2.0%
  2. Autograph Journey — 1.8%

Dining

  1. Autograph Journey — 5.3%
  2. One Key+ — 3.0%

Groceries

  1. One Key+ — 3.0%
  2. Autograph Journey — 1.8%

Gas

  1. One Key+ — 3.0%
  2. Autograph Journey — 1.8%

Flights

  1. Autograph Journey — 7.0%
  2. One Key+ — 2.0%

Hotels

  1. Autograph Journey — 8.8%
  2. One Key+ — 2.0%

Car rental

  1. Autograph Journey — 5.3%
  2. One Key+ — 2.0%

Cruises

  1. Autograph Journey — 5.3%
  2. One Key+ — 2.0%

Travel agencies

  1. Autograph Journey — 5.3%
  2. One Key+ — 2.0%

Campgrounds

  1. Autograph Journey — 5.3%
  2. One Key+ — 2.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.