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All comparisons
Head-to-head, 2026

Wells Fargo Choice Privileges Select 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: Wells Fargo Choice Privileges Select

Wells Fargo

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
$360
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Choice Hotels stays · Choice Privileges
  • 5×Gas stations · Choice Privileges
  • 5×Grocery stores · Choice Privileges
  • 5×Home improvement stores · Choice Privileges

Key benefits

  • 30,000-point anniversary bonus · $210
  • No foreign transaction fee · $0
  • Choice Privileges Platinum Elite status · $0
  • Mastercard World Elite benefits · $0
  • Milestone Rewards qualification · $0
Full Wells Fargo Choice Privileges Select 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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