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Wells Fargo Autograph 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 1.8% 1x base rate

Dining

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

Groceries

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

Gas

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

Ground transportation

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

Streaming

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

Phone & internet

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

Flights

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

Hotels

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

Car rental

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

Cruises

  1. Autograph 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 $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 and groceries; Autograph takes dining, gas, ground transportation and streaming, plus 5 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseOne Key+2.0%
DiningAutograph5.3%
GroceriesOne Key+3.0%
GasAutograph5.3%
Ground transportationAutograph5.3%
StreamingAutograph5.3%
Phone & internetAutograph5.3%
FlightsAutograph5.3%
HotelsAutograph5.3%
Car rentalAutograph5.3%
CruisesAutograph5.3%

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 — 1.8%

Dining

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

Groceries

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

Gas

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

Ground transportation

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

Streaming

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

Phone & internet

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

Flights

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

Hotels

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

Car rental

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

Cruises

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