One Key Card overview
The One Key™ Card (see rates and fees) is a no-annual-fee card that comes with decent earnings rates and some unique benefits within the OneKey travel rewards program. If you use Expedia, Hotels.com or Vrbo frequently, the card could make sense for you. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
One Key is a loyalty program from Expedia, Hotels.com and Vrbo. It’s free to join and allows travelers to earn rewards for their purchases across all three travel apps.
The One Key Card is a pared-down version of the $99-annual-fee One Key+™ Card (see rates and fees). However, given its earnings rates, it could still be a fit for some potential cardholders.
It has no annual fee, and we recommend a credit score of at least 670 to increase your chances of approval. Here’s what else you need to know.
One Key Card pros and cons
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One Key Card welcome offer
With the One Key Card, new cardholders can earn $300 in OneKeyCash after spending $1,000 on purchases in the first three months from account opening. This offer is only available for a limited time.
It’s important to note that OneKeyCash is not, in fact, redeemable for cash, and can only be used with Expedia, Hotels.com and Vrbo. Still, this welcome offer provides decent value for those who use these platforms often, and it’s easy to earn for many travelers.
Related: The best credit card welcome offers
One Key Card benefits
The One Key Card is relatively short on benefits, but you will get automatic Silver tier status in the One Key rewards program, which includes savings of 15% or more on over 10,000 hotels worldwide. You’ll unlock Gold status after spending $15,000 or more per calendar year.
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Unless you’re a die-hard fan of OneKey’s supported travel programs, you’d be better off putting $15,000 on a card that earns transferable points or miles.
For frequent travelers, the card offers a few travel protections, including 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. Cardholders get up to $1,000 in protection against damage or theft, subject to a $25 deductible (limit of two paid claims per 12-month period).
Just like most other travel credit cards, the One Key Card has no foreign transaction fees.
Again, the One Key+ Card will win out on the benefits front for most users, but this card can make sense if you want to avoid paying an annual fee.
Related: How you can save on all aspects of your trip with One Key — Expedia, Hotels.com and Vrbo’s loyalty program
Earning rewards with the One Key Card
With the One Key Card, you’ll get:
Those are solid earnings rates with some nice bonus categories, but remember that you won’t be able to use your rewards outside of Expedia, Hotels.com and Vrbo redemptions. That means you’d be better off putting your expenses on a general travel card, unless you have a specific 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.
If you often book travel through one of those sites, this card can make sense for you. Otherwise, though, you’ll get more value from a different travel rewards credit card.
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.
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?
Most travelers will want more flexible rewards than OneKeyCash, which can only be redeemed with Expedia, Hotels.com and Vrbo. But if you don’t mind that aspect of the One Key Card, it’s a solid no-annual-fee option that will rack up rewards relatively easily.
Bottom line
If you want a card that earns rewards with Expedia, Hotels.com and or Vrbo and has an easy-to-earn welcome offer to boot, you just found it.
It’s not the most valuable travel card out there, but the One Key Card will make sense for consumers who want to make use of 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.
