One Key+ Card vs Rakuten American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Base Earn Rate

—

Top Earn Categories

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

4X Rakuten Purchases

2X Dining

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

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

—

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

—

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

One Key+ Card vs Rakuten American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Base Earn Rate

—

Top Earn Categories

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

4X Rakuten Purchases

2X Dining

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

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

—

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

—

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

One Key+ Card vs Rakuten American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image

One Key+ Card

Wells Fargo

Rakuten American Express Card

First Electronic Bank

Annual Fee

Welcome Bonus

25,000 Misc Travel

50 points

Base Earn Rate

—

Top Earn Categories

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

4X Rakuten Purchases

2X Dining

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

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

—

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

—

Explore More

One Key+ Card — Full Review All Wells Fargo Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →