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Head-to-head, 2026

Chase Sapphire Reserve 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: Wells Fargo One Key CardBigger welcome offer: Chase Sapphire Reserve

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
Full Chase Sapphire Reserve review

Wells Fargo

One Key Card

Annual fee
$0
Network
visa
Welcome value
$300
Min spend
$1,000 / 3mo

Top earning rates

  • 3×Expedia, Hotels.com, and Vrbo · OneKeyCash
  • 3×Gas stations · OneKeyCash
  • 3×Grocery stores · OneKeyCash
  • 3×Dining · OneKeyCash

Key benefits

  • One Key Gold status (Spend Tier) · $0
  • Cellular Telephone Protection · $0
  • Auto Rental Collision Damage Waiver · $0
  • Travel Accident Insurance · $0
  • No foreign transaction fee · $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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