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Wells Fargo One Key Card vs Signify Business Cash

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. Signify Business Cash 2.0% 2% base rate
  2. One Key Card 1.5% 1.5x base rate

Dining

  1. One Key Card 3.0% 3x
  2. Signify Business Cash 2.0% 2% base rate

Groceries

  1. One Key Card 3.0% 3x
  2. Signify Business Cash 2.0% 2% base rate

Gas

  1. One Key Card 3.0% 3x
  2. Signify Business Cash 2.0% 2% base rate

Travel · portal

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

What the numbers are doing

Abroad the answer flips: Signify Business Cash charges a 3% foreign transaction fee, so once that comes off the rate One Key Card is the better card for everyday spend.

Where they differ: Signify Business Cash takes everything else; One Key Card takes dining, groceries and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSignify Business Cash2.0%
DiningOne Key Card3.0%
GroceriesOne Key Card3.0%
GasOne Key Card3.0%
Travel · portalOne 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

  1. Signify Business Cash — 2.0%
  2. One Key Card — 1.5%

Dining

  1. One Key Card — 3.0%
  2. Signify Business Cash — 2.0%

Groceries

  1. One Key Card — 3.0%
  2. Signify Business Cash — 2.0%

Gas

  1. One Key Card — 3.0%
  2. Signify Business Cash — 2.0%

Travel · portal

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