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Wells Fargo Choice Privileges Select Mastercard 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. One Key Card 1.5% 1.5x base rate
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Dining

  1. One Key Card 3.0% 3x
  2. Choice Privileges Select Mastercard 0.9% 1x base rate

Groceries

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. One Key Card 3.0% 3x

Gas

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. One Key Card 3.0% 3x

Travel · portal

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

Phone & internet

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. One Key Card 1.5% 1.5x base rate

Home improvement

  1. Choice Privileges Select Mastercard 4.3% 5x
  2. One Key Card 1.5% 1.5x base rate

What the numbers are doing

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

Where they differ: One Key Card takes everything else and dining; Choice Privileges Select Mastercard takes groceries, gas, phone & internet and home improvement.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseOne Key Card1.5%
DiningOne Key Card3.0%
GroceriesChoice Privileges Select Mastercard4.3%
GasChoice Privileges Select Mastercard4.3%
Travel · portalOne Key Card · Expedia, Hotels.com and Vrbo3.0%
Phone & internetChoice Privileges Select Mastercard4.3%
Home improvementChoice Privileges Select Mastercard4.3%

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 Card — 1.5%
  2. Choice Privileges Select Mastercard — 0.9%

Dining

  1. One Key Card — 3.0%
  2. Choice Privileges Select Mastercard — 0.9%

Groceries

  1. Choice Privileges Select Mastercard — 4.3%
  2. One Key Card — 3.0%

Gas

  1. Choice Privileges Select Mastercard — 4.3%
  2. One Key Card — 3.0%

Travel · portal

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

Phone & internet

  1. Choice Privileges Select Mastercard — 4.3%
  2. One Key Card — 1.5%

Home improvement

  1. Choice Privileges Select Mastercard — 4.3%
  2. One Key Card — 1.5%
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