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Wells Fargo Choice Privileges Mastercard 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. Choice Privileges Mastercard 0.9% 1x base rate

Dining

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

Groceries

  1. One Key+ 3.0% 3x
  2. Choice Privileges Mastercard 2.6% 3x

Gas

  1. One Key+ 3.0% 3x
  2. Choice Privileges Mastercard 2.6% 3x

Furniture stores

  1. Choice Privileges Mastercard 2.6% 3x
  2. One Key+ 2.0% 2x base rate

Home improvement

  1. Choice Privileges Mastercard 2.6% 3x
  2. One Key+ 2.0% 2x base rate

What the numbers are doing

One Key+ tops groceries at 3.0% only because this table values its points at 1 cents each. Value them at one cent and Choice Privileges Mastercard wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Choice Privileges Mastercard $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; Choice Privileges Mastercard takes furniture stores and home improvement.

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Pass content preview
CategoryBest card
Everything elseOne Key+2.0%
DiningOne Key+3.0%
GroceriesOne Key+3.0%
GasOne Key+3.0%
Furniture storesChoice Privileges Mastercard2.6%
Home improvementChoice Privileges Mastercard2.6%

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. Choice Privileges Mastercard — 0.9%

Dining

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

Groceries

  1. One Key+ — 3.0%
  2. Choice Privileges Mastercard — 2.6%

Gas

  1. One Key+ — 3.0%
  2. Choice Privileges Mastercard — 2.6%

Furniture stores

  1. Choice Privileges Mastercard — 2.6%
  2. One Key+ — 2.0%

Home improvement

  1. Choice Privileges Mastercard — 2.6%
  2. One Key+ — 2.0%
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