One Key Card: what it earns

Updated October 27, 2026 · from RightCard's verified card and merchant data

One Key Card earns 3% at restaurants, 3% at supermarkets, 3% at gas stations, and 1.5% on everything else. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3%	3¢
Supermarkets	3%	3¢
Gas stations	3%	3¢
Travel	1.5%	1.5¢
Online shopping	1.5%	1.5¢
Drugstores	1.5%	1.5¢
Transit & rideshare	1.5%	1.5¢
Streaming	1.5%	1.5¢
Everything else	1.5%	1.5¢

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
Expedia	3%
Expedia.com	3%
Hotels.com	3%
VRBO	3%

Where the grocery bonus will not post

Superstores and warehouse clubs code outside the supermarket category, so the grocery rate usually does not post at Walmart, Target, Costco, Sam's Club or BJ's. Check any store.

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

Other Wells Fargo cards: Reflect Card · Wells Fargo Active Cash · Wells Fargo Signify Business Cash

How RightCard handles this: add the One Key Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

What does the One Key Card earn at supermarkets?

3% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the One Key Card earn on everything else?

1.5% on purchases outside its bonus categories.

Does the One Key Card have an annual fee?

No annual fee.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Supermarkets guide · Gas stations guide