Wells Fargo One Key Card vs One Key+
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- One Key+ 2.0% 2x base rate
- One Key Card 1.5% 1.5x base rate
Dining
- One Key Card 3.0% 3x
- One Key+ 3.0% 3x
Groceries
- One Key Card 3.0% 3x
- One Key+ 3.0% 3x
Gas
- One Key Card 3.0% 3x
- One Key+ 3.0% 3x
Travel · portal
- One Key Card · Expedia, Hotels.com and Vrbo 3.0% 3x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge One Key Card $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. One Key Card wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | One Key+2.0% |
| Dining | One Key Card3.0% |
| Groceries | One Key Card3.0% |
| Gas | One Key Card3.0% |
| Travel · portal | One Key Card · Expedia, Hotels.com and Vrbo3.0% |
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
- One Key+ — 2.0%
- One Key Card — 1.5%
Dining
- One Key Card — 3.0%
- One Key+ — 3.0%
Groceries
- One Key Card — 3.0%
- One Key+ — 3.0%
Gas
- One Key Card — 3.0%
- One Key+ — 3.0%
Travel · portal
- One Key Card · Expedia, Hotels.com and Vrbo — 3.0%
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 generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.