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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

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

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 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

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit