Bank of America® Customized Cash Rewards Secured vs One Key+ Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Drugstores

3X Gas Stations

3X Home Improvement

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

None

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Bank of America® Customized Cash Rewards Secured vs One Key+ Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Drugstores

3X Gas Stations

3X Home Improvement

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

None

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Bank of America® Customized Cash Rewards Secured vs One Key+ Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Drugstores

3X Gas Stations

3X Home Improvement

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

None

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →