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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months