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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
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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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