pointslip milestomorrow.com

Wells Fargo Autograph Journey vs One Key Card

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. Autograph Journey 1.8% 1x base rate
  2. One Key Card 1.5% 1.5x base rate

Dining

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

Groceries

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

Gas

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

Travel · portal

  1. One Key Card · Expedia, Hotels.com and Vrbo 3.0% 3x

Flights

  1. Autograph Journey 7.0% 4x
  2. One Key Card 1.5% 1.5x base rate

Hotels

  1. Autograph Journey 8.8% 5x
  2. One Key Card 1.5% 1.5x base rate

Car rental

  1. Autograph Journey 5.3% 3x
  2. One Key Card 1.5% 1.5x base rate

Cruises

  1. Autograph Journey 5.3% 3x
  2. One Key Card 1.5% 1.5x base rate

Travel agencies

  1. Autograph Journey 5.3% 3x
  2. One Key Card 1.5% 1.5x base rate

Campgrounds

  1. Autograph Journey 5.3% 3x
  2. One Key Card 1.5% 1.5x base rate

What the numbers are doing

Autograph Journey tops everything else at 1.8% only because this table values its points at 1.75 cents each. Value them at one cent and One Key Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Autograph Journey $95 and One Key Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Autograph Journey takes everything else, dining, flights and hotels, plus 4 more; One Key Card takes groceries and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAutograph Journey1.8%
DiningAutograph Journey5.3%
GroceriesOne Key Card3.0%
GasOne Key Card3.0%
Travel · portalOne Key Card · Expedia, Hotels.com and Vrbo3.0%
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. Autograph Journey — 1.8%
  2. One Key Card — 1.5%

Dining

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

Groceries

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

Gas

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

Travel · portal

  1. One Key Card · Expedia, Hotels.com and Vrbo — 3.0%

Flights

  1. Autograph Journey — 7.0%
  2. One Key Card — 1.5%

Hotels

  1. Autograph Journey — 8.8%
  2. One Key Card — 1.5%

Car rental

  1. Autograph Journey — 5.3%
  2. One Key Card — 1.5%

Cruises

  1. Autograph Journey — 5.3%
  2. One Key Card — 1.5%

Travel agencies

  1. Autograph Journey — 5.3%
  2. One Key Card — 1.5%

Campgrounds

  1. Autograph Journey — 5.3%
  2. One Key Card — 1.5%
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.