Card comparisonSide by side
Citi Simplicity Card vs One Key+ Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Citi | Wells Fargo |
Card Network | ||
Card Type Data: 1/2 cards | — | travel |
Card Tier Data: 1/2 cards | — | Premium |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $99 |
Foreign Transaction Fee | — | None |
Purchase APR | — | — |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | — | Earn $350 |
Reward Rate Data: 1/2 cards | — | 3% back on dining |
Reward Program Data: 1/2 cards | — | OneKeyCash |
| Earning Rates | ||
| Dining | — | 3% backApplies to eligible net purchases at retailers classified by Mastercard as eating places and restaurants, drinking places, fast food restaurants, and/or caterers. |
| Eligible Expedia, Hotels.com, and Vrbo bookings | — | 3% backEligible net purchases for accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo using the One Key+ Mastercard; exclusions apply. |
| Gas stations | — | 3% backApplies to eligible net purchases at retailers classified by Mastercard as gas stations, automated fuel dispensers, and electric vehicle charging stations. |
| Grocery stores | — | 3% backApplies to eligible net purchases at retailers classified by Mastercard as grocery stores, supermarkets, delis, and bakeries. |
| Other purchases | — | 2% backCash advances and cash equivalents do not earn OneKeyCash. |
| expedia,hotels.com,vrbo | — | 3% back |
| gas stations,grocery stores,dining | — | 3% back |
| other purchases | — | 2% back |
| Benefits | ||
Key Benefits | — |
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