Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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.

Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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.

Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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.

Fidelity Rewards Visa Signature Card vs One Key+ Card

Both cards cost $0/yr. The Fidelity Rewards Visa Signature Card is better for everyday spending, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Fidelity Rewards Visa Signature Card

Elan Financial

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Fidelity Rewards Visa Signature Card	One Key+ Card
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+True 2% unlimited cash back on all purchases with no annual fee
+Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
+No minimum redemption threshold (rewards deposit automatically)
+$150 welcome bonus after $1,500 spend in 90 days
+Visa Signature benefits: extended warranty, purchase protection, concierge

+$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

−Requires Fidelity account for redemption (cannot get cash to bank account)

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Fidelity Rewards Visa Signature Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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

Fidelity Rewards Visa Signature Card — Full Review All Elan Financial Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Elan Financial 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.

Fidelity Rewards Visa Signature Card vs One Key+ Card

Both cards cost $0/yr. The Fidelity Rewards Visa Signature Card is better for everyday spending, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Fidelity Rewards Visa Signature Card

Elan Financial

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Fidelity Rewards Visa Signature Card	One Key+ Card
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+True 2% unlimited cash back on all purchases with no annual fee
+Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
+No minimum redemption threshold (rewards deposit automatically)
+$150 welcome bonus after $1,500 spend in 90 days
+Visa Signature benefits: extended warranty, purchase protection, concierge

+$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

−Requires Fidelity account for redemption (cannot get cash to bank account)

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Fidelity Rewards Visa Signature Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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

Fidelity Rewards Visa Signature Card — Full Review All Elan Financial Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Elan Financial cards · Wells Fargo cards

Fidelity Rewards Visa Signature Card vs One Key+ Card

Both cards cost $0/yr. The Fidelity Rewards Visa Signature Card is better for everyday spending, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Fidelity Rewards Visa Signature Card

Elan Financial

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

25,000 Misc Travel

Earn Rates

Category	Fidelity Rewards Visa Signature Card	One Key+ Card
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+True 2% unlimited cash back on all purchases with no annual fee
+Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
+No minimum redemption threshold (rewards deposit automatically)
+$150 welcome bonus after $1,500 spend in 90 days
+Visa Signature benefits: extended warranty, purchase protection, concierge

+$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

−Requires Fidelity account for redemption (cannot get cash to bank account)

Category-by-Category Winner

The One Key+ Card wins in 4 of 4 categories. The Fidelity Rewards Visa Signature Card leads in 0.

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Fidelity Rewards Visa Signature Card 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 Fidelity Rewards Visa Signature Card 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

Fidelity Rewards Visa Signature Card — Full Review All Elan Financial Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Elan Financial cards · Wells Fargo cards