Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

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

• +4X points on dining up to $2,000 per quarter
• +2X points on groceries, gas/EV charging, and streaming
• +No annual fee
• +20,000 point welcome bonus
• +0% intro APR for 15 months

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

• −3% foreign transaction fee
• −$2,000 quarterly cap on 4X dining rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

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

• +4X points on dining up to $2,000 per quarter
• +2X points on groceries, gas/EV charging, and streaming
• +No annual fee
• +20,000 point welcome bonus
• +0% intro APR for 15 months

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

• −3% foreign transaction fee
• −$2,000 quarterly cap on 4X dining rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

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

• +4X points on dining up to $2,000 per quarter
• +2X points on groceries, gas/EV charging, and streaming
• +No annual fee
• +20,000 point welcome bonus
• +0% intro APR for 15 months

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

• −3% foreign transaction fee
• −$2,000 quarterly cap on 4X dining rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity