Wells Fargo Choice Privileges® Mastercard® vs Wells Fargo One Key™ Card: fees, rewards and APR compared - DebitCue Skip to content
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Head-to-head

Wells Fargo Choice Privileges® Mastercard® vs Wells Fargo One Key™ Card

Compare Wells Fargo Choice Privileges® Mastercard® and Wells Fargo One Key™ Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Wells Fargo Choice Privileges® Mastercard® versus Wells Fargo One Key™ Card compared by attribute
Feature Wells Fargo Choice Privileges® Mastercard® Wells Fargo One Key™ Card
Card fee No fee No fee
Purchase APR (from) 19.74% 18.49%
Interest-free period - -
Foreign transaction fee 0% 0%
Rewards 5X Choice Privileges points at participating Choice Hotels properties; 3X at gas stations, grocery stores, home improvement stores, and phone plans; 1X on all other purchases. 3% OneKeyCash on Expedia, Hotels.com, and Vrbo; 3% at gas stations, grocery stores, and dining; 1.5% on all other purchases. OneKeyCash redeemable only on Expedia Group sites.
Installments - -
No card fee
No foreign transaction fee
Welcome bonus
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Wells Fargo Choice Privileges® Mastercard® if its checked rows above line up with how you spend most.
  • Choose the Wells Fargo One Key™ Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.

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