Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Bank of America® Customized Cash Rewards Secured vs One Key+ Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards Secured is better for dining, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Bank of America® Customized Cash Rewards Secured	One Key+ Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Home Improvement	3X	1X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Category-by-Category Winner

The Bank of America® Customized Cash Rewards Secured wins in 7 of 9 categories. The One Key+ Card leads in 2.

Drugstores

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Wholesale Clubs

Bank of America® Customized Cash Rewards Secured earns 2X vs 1X

Hotelscom

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards Secured or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Bank of America® Customized Cash Rewards Secured vs One Key+ Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards Secured is better for dining, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Bank of America® Customized Cash Rewards Secured	One Key+ Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Home Improvement	3X	1X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Category-by-Category Winner

The Bank of America® Customized Cash Rewards Secured wins in 7 of 9 categories. The One Key+ Card leads in 2.

Drugstores

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Wholesale Clubs

Bank of America® Customized Cash Rewards Secured earns 2X vs 1X

Hotelscom

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards Secured or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Wells Fargo cards

Bank of America® Customized Cash Rewards Secured vs One Key+ Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards Secured is better for dining, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Bank of America® Customized Cash Rewards Secured

Bank of America

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Bank of America® Customized Cash Rewards Secured	One Key+ Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	3X
Grocery Stores	2X	3X
Home Improvement	3X	1X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

—

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

Category-by-Category Winner

The Bank of America® Customized Cash Rewards Secured wins in 7 of 9 categories. The One Key+ Card leads in 2.

Drugstores

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards Secured earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 2X

Wholesale Clubs

Bank of America® Customized Cash Rewards Secured earns 2X vs 1X

Hotelscom

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards Secured or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards Secured — Full Review All Bank of America Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Wells Fargo cards