One Key Card overview
The One KeyTM Card (see rates and charges), which is a no-annual-fee card, offers good earnings figures and special advantages in the one key travel rewards program that includes some unique benefits. hotels, if you use Expedia. It could be a good card to understand you for the cards, and is often used as com or Vrbo. s **Card rating* ** ‘***,.
* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Expedia, hotels and a loyalty program called One Key is. com and Vrbo, . Free to join, it allows travelers to earn rewards for their purchases across all three travel apps.
The One Key Card is a simplified version of the $99-annual-fee OneKey+TM Card (see rates and fees) called the One key Card. But, given its earnings figures, it may be a good fit for some cardholders.
We recommend a credit score of at least 670 to help you get approval, and it’s no annual fee. You know what else you should be familiar with here’s a .
One Key Card pros and cons
| Pros | Cons |
| — | — |
| * No annual fee * Solid earnings rates | * Outclassed by the One Key+ Card in most areas * Limited redemption options |
One Key Card welcome offer
New cardholders can earn $300 in OneKeyCash with the One Key Card after spending $1,000 on purchases during the first three months from account opening, a total of $300. Only a short-term offer is this from .
THE POINTS GUY
Note that OneKeyCash is not, in fact, cash-only and can only be used with Expedia, Hotels. com and Vrbo. In addition to that, this welcome offer is a good value for those who use these platforms often and it’s easy to make money for many travelers.
Related: The best credit card welcome offers
One Key Card benefits
One Key Card is a relatively short on benefits, but you will be automatically Silver tier in the One key rewards program (which saves 15% or more on over 10,000 hotels worldwide). Once you spend $15,000+ per calendar year, you’ll unlock Gold status.
Would it be better to put $15,000 on a card that earns transferable points or miles, unless you’re devoted to OneKey’s sponsored travel programs.
JUSTIN PAGET/GETTY IMAGES
The card also provides a number of travel protections for frequent travelers, such as trip cancellation and interruption protection, an auto rental collision damage waiver and travel accident insurance.
The card also provides cellular telephone protection when you pay your monthly bill with the One Key Card. The cardholders receive up to $1,000 protection against damage or theft, deductible $25 (limit of two paid claims per 12 month) in order to protect from damage and theft.
Just like most other travel credit cards, the One Key Card has no foreign transaction fees.
The One Key+ Card will win out on the benefits front for most users again, but this card can be interpreted as meaning if you don’t want to pay an annual fee.
*******Related What you can do to save on everything that is in your trip with One Key Expedia, Hotels. and Vrbo’s loyalty program**, com and.
Earning rewards with the One Key Card
With the One Key Card, you’ll get:
- 3% back in OneKeyCash on Expedia, Hotels.com and Vrbo
- 3% back in OneKeyCash at
gas stations
,
grocery stores
and on
dining
- 1.5% back in OneKeyCash on
other purchases
DEJAN MARJANOVIC/GETTY IMAGES
That’s solid earnings rates with some nice bonus categories, but remember that you won’t be able to use your rewards outside of Expedia, Hotels. Redeemers of com and Vrbo. You’d be better off putting your money on a general travel card, except for one particular OneKeyCash redemption in mind.
Related: Best travel cards of 2025
Redeeming rewards with the One Key Card
Once again, OneKeyCash is not, in fact, redeemable for cash, and can only be used at Expedia, Hotels.com and Vrbo.
FRESHSPLASH/GETTY IMAGES
The cards make sense for you, if you often book travel through one of those sites. If you’re not, but if you get more value from another travel rewards credit card, you’ll be better off.
Which cards compete with the One Key Card?
If you want additional travel perks or more flexible rewards, you may want to choose one of these cards instead.
- If you want more perks: The
One Key+ Card
Upon paying $99 annual fee, has higher earnings rates and other benefits than compensated for the difference in annual fees. Watch us for more to learn about .
full review of the One Key+ card
.
- If you want more Marriott Bonvoy benefits: The
Marriott Bonvoy Bold® Credit Card
(see
rates and fees
This is also a feature of perks such as automatic Bonvoy Silver Elite status and five elite night credits per year, plus an earning rate of 3 points per dollar at participating Marriott Bonvision hotels all for free annual fee. Check out our review of s to learn more.
full review of the Marriott Bonvoy Bold
.
- If you stay at Hilton properties more often: The
Hilton Honors American Express Card
has no annual fee (see
rates and fees
Cardholders are eligible for Hilton Honors points and automatic Hilton honors Silver status, if they have their card issued by ). For more information, see our videos for s.
full review of the Hilton Honors Amex
.
For additional options, see our list of the best hotel credit cards.
Related: Marriott Bonvoy Bold vs. Marriott Bonvoy Boundless
Is the One Key Card worth it?
OneKeyCash is the only one-way rewards that most travelers will want to be redeemed with Expedia, Hotels and can only be redeemable through Ex KeyCASH. Vrbo and com . But if you don’t mind that aspect of the One Key Card, it’s a solid no-annual-fee option which will rack up rewards relatively easily.
Bottom line
Hoteles, if you want a card that earns rewards with Expedia. You just found it on com and or Vrbo, which has an easy-to-earn welcome to boot boot.
Although the One Key Card is not the most valuable travel card out there, it will be a sense for consumers who want to use those platforms without having to worry about paying an annual fee.
Apply here: One Key Card
For rates and fees of the Hilton Honors Amex, click here.
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