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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 Choice Privileges SelectBigger welcome offer: Wells Fargo Choice Privileges Select

Wells Fargo

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
$540
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

  • Automatic Platinum Elite Status · $250
  • Anniversary Bonus · $240
  • Cell Phone Protection · $120
  • No Foreign Transaction Fees · $50
Full Wells Fargo Choice Privileges Select 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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