The One Key® Card vs U.S. Bank Cash+® Visa Signature® Card

The One Key® CardThe One Key® Card

Wells Fargo

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U.S. Bank Cash+® Visa Signature® CardU.S. Bank Cash+® Visa Signature® Card

U.S. Bank

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
OneKeyCash
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
—
$200 after $1,000 in 90 days

Effective return by category

CategoryThe One Key® CardU.S. Bank Cash+® Visa Signature® Card
Utilities1.50%
1.5x
5.00%
5x · $2,000 cap
Internet & Cable1.50%
1.5x
5.00%
5x · $2,000 cap
Streaming1.50%
1.5x
5.00%
5x · $2,000 cap
Phone & Wireless1.50%
1.5x
5.00%
5x · $2,000 cap
Department Stores1.50%
1.5x
5.00%
5x · $2,000 cap
Electronics Stores1.50%
1.5x
5.00%
5x · $2,000 cap
Gym & Fitness1.50%
1.5x
5.00%
5x · $2,000 cap
Rideshare & Transit1.50%
1.5x
5.00%
5x · $2,000 cap
Entertainment1.50%
1.5x
5.00%
5x · $2,000 cap
Card Travel Portals3.00%
3x
5.00%
5x
Groceries3.00%
3x
2.00%
2x
Dining & Restaurants3.00%
3x
2.00%
2x
Gas Stations3.00%
3x
2.00%
2x
Everything else1.50%
1.5x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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