Card comparisonSide by side
One Key+ Card vs United ClubSM 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 | Wells Fargo | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Premium | Luxury |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $99 | $695 |
Foreign Transaction Fee | None | — |
Purchase APR | — | 19.74% – 28.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn $350 | Earn 90,000 miles |
Reward Rate Data: 2/2 cards | 3% back on dining | 11x miles on eligible united flights |
Reward Program Data: 2/2 cards | OneKeyCash | United MileagePlus |
| Earning Rates | ||
| All other purchases | — | 1x miles |
| 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. | 2x milesIncludes restaurants, takeout, and eligible delivery services. |
| 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. | — |
| Eligible United flights | — | 11x miles11x total consists of 6x miles on the primary cardmember's fare from United as a MileagePlus member plus 5x on the entire United purchase with the United Club Card; earning differs for Basic Economy or base option tickets. |
| 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 eligible United purchases | — | 5x milesIncludes airline tickets purchased from United, seat upgrades, Economy Plus, inflight food, beverages, Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase; exclusions apply. |
| Other purchases | 2% backCash advances and cash equivalents do not earn OneKeyCash. | — |
| Renowned Hotels and Resorts for United Cardmembers | — | 5x milesHotel accommodation purchases made using the card through Chase Travel; must be eligible prepaid hotel stays. |
| Travel | — | 2x milesExcludes United purchases that qualify for 5 miles per dollar. |
| expedia,hotels.com,vrbo | 3% back | — |
| gas stations,grocery stores,dining | 3% back | — |
| other purchases | 2% back | — |
| Benefits | ||
Key Benefits |
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