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All comparisons
Head-to-head, 2026

American Express Gold Wells Fargo One Key+ Card

American Express Gold

$325/yr

Gold
One Key+ Card

Wells Fargo One Key+ Card

$99/yr

Every $1 · two cards

American Express Gold earns more in 4 of 9 categories · Wells Fargo One Key+ Card in 1

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    3%3¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    3%3¢ per $1
  • Gas
    1×2¢ per $1
    3%3¢ per $1
  • Flights
    3×6¢ per $1
    2%2¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    2%2¢ per $1
  • Everything else
    1×2¢ per $1
    2%2¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Wells Fargo One Key+ Card

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Wells Fargo

One Key+ Card

Annual fee
$99
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 3×Expedia, Hotels.com and Vrbo · One Key
  • 3×Gas stations, grocery stores and on dining · One Key
  • 2×Other purchases · One Key

Key benefits

  • Trusted Traveler Program credit · $120
  • $100 OneKeyCash anniversary bonus · $100
  • Mastercard Golf · $0
  • Mastercard ID Theft Protection · $0
  • Auto Rental Collision Damage Waiver · $0
Full Wells Fargo One Key+ Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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