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

• +Unlimited 2% cash back on every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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 makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments

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

• +Unlimited 2% cash back on every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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 makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments

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

• +Unlimited 2% cash back on every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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 makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments