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All comparisons
Head-to-head, 2026

Chase Sapphire Preferred Wells Fargo One Key+ Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: Chase Sapphire Preferred

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Wells Fargo

One Key+ Card

Annual fee
$99
Network
visa
Welcome value
$400
Min spend
$3,000 / 3mo

Top earning rates

  • 3×hotels.com · One Key
  • 3×vrbo · One Key
  • 3×expedia · One Key
  • 3×grocery_stores · One Key

Key benefits

  • 3% on Gas, Groceries, and Dining · $360
  • Automatic One Key Gold Status · $300
  • Unlock Platinum Status (Spend Tier) · $200
  • 2% Base Rewards Rate · $200
  • Cellular Telephone Protection · $100
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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