Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: One Key+ Card $99/yr, Wells Fargo Active Cash Card $0/yr. Strongest bonus categories: One Key+ Card on gas stations, Wells Fargo Active Cash Card on everyday spending.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | One Key+ Card | Wells Fargo Active Cash Card |
|---|---|---|
| Dining | 3X | 1X |
| Gas Stations | 3X |
The One Key+ Card wins in 3 of 3 categories. The Wells Fargo Active Cash Card leads in 0.
Gas Stations
One Key+ Card earns 3X vs 1X
Grocery Stores
One Key+ Card earns 3X vs 1X
Dining
One Key+ Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | One Key+ Card | Wells Fargo Active Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $216 Credits (our usable estimate): $65 − Annual fee ($99) Ongoing: $182 Year one: $532 | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 |
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: One Key+ Card $99/yr, Wells Fargo Active Cash Card $0/yr — a $99 difference before welcome offers and credits.
| 1X |
| Grocery Stores | 3X | 1X |
Network
Key Benefits
Pros
Cons
| Close — depends on how much of the credits you use |
| One Key+ Card |
| Heavy spender: $4,000/month | Rewards: $864 Credits (our usable estimate): $65 − Annual fee ($99) Ongoing: $830 Year one: $1,180 | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $700 | One Key+ Card | One Key+ Card |
The One Key+ Card costs $99/yr — that's $99 more than the Wells Fargo Active Cash Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $99 fee gap means the One Key+ Card needs roughly $99 more in annual rewards (or credits you will use) to break even on gas stations and grocery stores and everyday spend.
Get the One Key+ Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
