Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the One Key+ Card or the Rakuten American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the One Key+ Card or the Rakuten American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the One Key+ Card or the Rakuten American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

CardRewards

One Key+ Card vs Rakuten American Express Card

Both cards cost $0/yr. The One Key+ Card is better for expedia hotels vrbo, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Earn Rates

Category	One Key+ Card	Rakuten American Express Card
Dining	3X	2X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Hotelscom	3X	1X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

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

—

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Rakuten American Express Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Dining

One Key+ Card earns 3X vs 2X

Hotelscom

One Key+ Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the One Key+ Card or the Rakuten American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · First Electronic Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

One Key+ Card vs Rakuten American Express Card

Both cards cost $0/yr. The One Key+ Card is better for expedia hotels vrbo, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Earn Rates

Category	One Key+ Card	Rakuten American Express Card
Dining	3X	2X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Hotelscom	3X	1X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

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

—

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Rakuten American Express Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Dining

One Key+ Card earns 3X vs 2X

Hotelscom

One Key+ Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the One Key+ Card or the Rakuten American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · First Electronic Bank cards

One Key+ Card vs Rakuten American Express Card

Both cards cost $0/yr. The One Key+ Card is better for expedia hotels vrbo, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Earn Rates

Category	One Key+ Card	Rakuten American Express Card
Dining	3X	2X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Hotelscom	3X	1X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

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

—

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Rakuten American Express Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Dining

One Key+ Card earns 3X vs 2X

Hotelscom

One Key+ Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the One Key+ Card or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the One Key+ Card or the Rakuten American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · First Electronic Bank cards