Card comparisonSide by side
Wells Fargo One Key™ Card vs Wells Fargo Reflect® Card
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 | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | travel | balance transfer |
Card Tier Data: 2/2 cards | Entry Level | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | None | 3% |
Purchase APR | — | 17.49% – 28.24% |
Intro APR | — | 0% for 21 months |
| Rewards | ||
Welcome Bonus | Earn $250 | — |
Reward Rate Data: 1/2 cards | 3% back on dining | — |
Reward Program Data: 1/2 cards | One Key | — |
| Earning Rates | ||
| Dining | 3% backEating places and restaurants, drinking places, fast food restaurants, and/or caterers. | — |
| Expedia, Hotels.com, and Vrbo | 3% backEligible net purchases resulting from eligible accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo. | — |
| Gas | 3% backGas stations, automated fuel dispensers, and electric vehicle charging stations. | — |
| Groceries | 3% backGrocery stores, supermarkets, delis, and bakeries. | — |
| Other purchases | 1.5% back | — |
| Benefits | ||
Key Benefits |
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