CardRewardsEditorial 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.
The One Key+ Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | One Key+ Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X | 5X |
| Airlines |
The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 8 categories. The One Key+ Card leads in 2.
Grocery Stores
One Key+ Card earns 3X vs 1X
Hotelscom
One Key+ Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the One Key+ Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The One Key+ Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the One Key+ Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
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.
The One Key+ Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | One Key+ Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X | 5X |
| Airlines |
The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 8 categories. The One Key+ Card leads in 2.
Grocery Stores
One Key+ Card earns 3X vs 1X
Hotelscom
One Key+ Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the One Key+ Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The One Key+ Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the One Key+ Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
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.
The One Key+ Card ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | One Key+ Card | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1X | 5X |
| Airlines |
The Wells Fargo Autograph Journey Visa Credit Card wins in 6 of 8 categories. The One Key+ Card leads in 2.
Grocery Stores
One Key+ Card earns 3X vs 1X
Hotelscom
One Key+ Card earns 3X vs 1X
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs — that's than the One Key+ Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The One Key+ Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the One Key+ Card if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
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.
| 1X |
| 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotelscom | 3X | 1X |
| Other Travel | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the One Key+ Card if you:
| 1X |
| 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotelscom | 3X | 1X |
| Other Travel | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the One Key+ Card if you:
| 1X |
| 4X |
| Flights | 1X | 4X |
| Dining | 3X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 1X |
| Hotelscom | 3X | 1X |
| Other Travel | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the One Key+ Card if you:
