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All comparisons
Head-to-head, 2026

Capital One Venture X Rewards Wells Fargo One Key+ Card

Capital One Venture X Rewards

$395/yr

Venture X Rewards
One Key+ Card

Wells Fargo One Key+ Card

$99/yr

Every $1 · two cards

Capital One Venture X Rewards earns more in 8 of 9 categories · Wells Fargo One Key+ Card in 0

  • Dining
    2×3.6¢ per $1
    3%3¢ per $1
  • Groceries
    2×3.6¢ per $1
    3%3¢ per $1
  • Gas
    2×3.6¢ per $1
    3%3¢ per $1
  • Flights
    5×9¢ per $1

    via Capital One Travel

    2%2¢ per $1
  • Hotels
    10×18¢ per $1

    via Capital One Travel

    2%2¢ per $1
  • Everything else
    2×3.6¢ 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

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels & rental cars · Capital One Miles
  • 5×Flights and vacation rentals · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection Vacation Rental Experience Credit · $100
  • Premier Collection Hotel Experience Credit · $100
  • Lifestyle Collection Vacation Rental Experience Credit · $50
Full Capital One Venture X Rewards 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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