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One Key+™ Card vs Xbox Mastercard
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- 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 | Barclays |
Card Network | ||
Card Type Data: 2/2 cards | travel | rewards |
Card Tier Data: 2/2 cards | Mid Tier | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $99 | $0 |
Foreign Transaction Fee | None | 3% |
Purchase APR | — | 19.24% – 29.99% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn $350 | Earn 5,000 points |
Reward Rate Data: 2/2 cards | 3% back on dining | 5x pts on eligible products at the digital microsoft store |
Reward Program Data: 2/2 cards | One Key | Xbox Mastercard Card Points |
| Earning Rates | ||
| Dining | 3% backAt retailers whose Mastercard merchant code is classified as eating places, restaurants, fast food, drinking places, and caterers. | — |
| Eligible dining delivery services | — | 3x ptsIncludes select dining delivery merchants such as Grubhub and DoorDash. |
| Eligible products at the digital Microsoft Store | — | 5x ptsIncludes digital stores, apps, consoles, and Xbox Design Lab; exclusions apply. |
| Eligible streaming services | — | 3x ptsIncludes select video, music, and ebook streaming merchants. |
| Everyday purchases | — | 1x pts |
| Expedia, Hotels.com and Vrbo | 3% backEarned on eligible bookings through the U.S. version of the sites. | — |
| Gas stations | 3% backAt retailers whose Mastercard merchant code is classified as gas stations, automated fuel dispensers, and EV charging stations. | — |
| Grocery stores | 3% backAt retailers whose Mastercard merchant code is classified as grocery stores, supermarkets, delis, and bakeries. | — |
| Other purchases | 2% backOn all other net purchases. | — |
| Benefits | ||
Key Benefits |
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