$0
Annual Fee
25,000
Misc Travel · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
OneKeyCash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
25,000
Misc Travel
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Expedia Hotels Vrbo | 3X | Core | portal | None | |
| Hotels Com | 3X | Core | portal | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Hotelscom | 3X | Core | any | None | |
| All Other | 2X | Base | any | None |
Benefits & Perks
Program & Transfers
Earn more on everyday spend.
One Key is Expedia Group's retail loyalty program that rewards travel bookings across its ecosystem (Expedia, Hotels.com, Vrbo, Travelocity, and Orbitz). Members earn OneKeyCash (valued at $1 each) on hotels, vacation rentals, flights, car rentals, activities, and packages. The program includes 4 status tiers (Blue, Silver, Gold, Platinum) based on annual trip elements, with higher tiers earning elevated rates and exclusive perks including room upgrades, late checkout, and VIP Access property bonuses.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Vrbo vacation rentals | 1,000 |
Reviews & Analysis
Details & Terms
| Purchase APR | 18.99%–28.99% (Variable) |
| Cash Advance APR | 28.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
OneKeyCash expires after 18 months of account inactivity. To keep your balance active, book at least one trip or maintain membership activity within the 18-month period. Once expired, OneKeyCash cannot be recovered.
No. For flights, you must cover the entire booking cost with OneKeyCash. You cannot combine OneKeyCash with another payment method (like a credit card) for a single flight reservation.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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$0
Annual Fee
25,000
Misc Travel · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
OneKeyCash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
25,000
Misc Travel
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Expedia Hotels Vrbo | 3X | Core | portal | None | |
| Hotels Com | 3X | Core | portal | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Hotelscom | 3X | Core | any | None | |
| All Other | 2X | Base | any | None |
Benefits & Perks
Program & Transfers
Earn more on everyday spend.
One Key is Expedia Group's retail loyalty program that rewards travel bookings across its ecosystem (Expedia, Hotels.com, Vrbo, Travelocity, and Orbitz). Members earn OneKeyCash (valued at $1 each) on hotels, vacation rentals, flights, car rentals, activities, and packages. The program includes 4 status tiers (Blue, Silver, Gold, Platinum) based on annual trip elements, with higher tiers earning elevated rates and exclusive perks including room upgrades, late checkout, and VIP Access property bonuses.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Vrbo vacation rentals | 1,000 |
Reviews & Analysis
Details & Terms
| Purchase APR | 18.99%–28.99% (Variable) |
| Cash Advance APR | 28.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
OneKeyCash expires after 18 months of account inactivity. To keep your balance active, book at least one trip or maintain membership activity within the 18-month period. Once expired, OneKeyCash cannot be recovered.
No. For flights, you must cover the entire booking cost with OneKeyCash. You cannot combine OneKeyCash with another payment method (like a credit card) for a single flight reservation.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
25,000
Misc Travel · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
OneKeyCash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
25,000
Misc Travel
$1,000
Spend Required
3 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Expedia Hotels Vrbo | 3X | Core | portal | None | |
| Hotels Com | 3X | Core | portal | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Hotelscom | 3X | Core | any | None | |
| All Other | 2X | Base | any | None |
Benefits & Perks
Program & Transfers
Earn more on everyday spend.
One Key is Expedia Group's retail loyalty program that rewards travel bookings across its ecosystem (Expedia, Hotels.com, Vrbo, Travelocity, and Orbitz). Members earn OneKeyCash (valued at $1 each) on hotels, vacation rentals, flights, car rentals, activities, and packages. The program includes 4 status tiers (Blue, Silver, Gold, Platinum) based on annual trip elements, with higher tiers earning elevated rates and exclusive perks including room upgrades, late checkout, and VIP Access property bonuses.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Vrbo vacation rentals | 1,000 |
Reviews & Analysis
Details & Terms
| Purchase APR | 18.99%–28.99% (Variable) |
| Cash Advance APR | 28.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
OneKeyCash expires after 18 months of account inactivity. To keep your balance active, book at least one trip or maintain membership activity within the 18-month period. Once expired, OneKeyCash cannot be recovered.
No. For flights, you must cover the entire booking cost with OneKeyCash. You cannot combine OneKeyCash with another payment method (like a credit card) for a single flight reservation.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| — |
| — |
| — |
| Package bookings (flight + hotel combo) | 2,500 | — | — | — |
| VIP Access hotel properties | 5,000 | — | — | — |
| Hotel stays (best value redemptions) | 1,000 | — | — | — |
| Car rentals | 1,000 | — | — | — |
| Ground transportation | 100 | — | — | — |
| Activities and tours | 500 | — | — | — |
| Cruises | 3,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
OneKeyCash cannot be transferred between accounts or pooled with family members. However, you can book travel for others and earn OneKeyCash on their bookings under your account.
No. When booking through the Expedia/One Key platform, you will not earn hotel loyalty program points (like IHG, Marriott, or Hilton points). You earn only OneKeyCash through One Key. To earn hotel loyalty points, you must book directly with the hotel chain.
Trip elements are individual components that count toward your annual status tier requirements. Each element includes hotel night, vacation rental night, flight ticket, car rental day, cruise night, ground transport booking, or activity booking. You need 5 elements for Silver, 15 for Gold, and 30 for Platinum status.
Blue members earn 0-2% depending on booking type. Silver earns 1%, Gold earns 2%, and Platinum earns 3% OneKeyCash on most bookings. Vrbo earning rates are tiered by status (Blue 0%, Silver 1%, Gold/Platinum 2% as of May 2025). Flights earn 0.2% across all tiers.
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| — |
| — |
| — |
| Package bookings (flight + hotel combo) | 2,500 | — | — | — |
| VIP Access hotel properties | 5,000 | — | — | — |
| Hotel stays (best value redemptions) | 1,000 | — | — | — |
| Car rentals | 1,000 | — | — | — |
| Ground transportation | 100 | — | — | — |
| Activities and tours | 500 | — | — | — |
| Cruises | 3,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
OneKeyCash cannot be transferred between accounts or pooled with family members. However, you can book travel for others and earn OneKeyCash on their bookings under your account.
No. When booking through the Expedia/One Key platform, you will not earn hotel loyalty program points (like IHG, Marriott, or Hilton points). You earn only OneKeyCash through One Key. To earn hotel loyalty points, you must book directly with the hotel chain.
Trip elements are individual components that count toward your annual status tier requirements. Each element includes hotel night, vacation rental night, flight ticket, car rental day, cruise night, ground transport booking, or activity booking. You need 5 elements for Silver, 15 for Gold, and 30 for Platinum status.
Blue members earn 0-2% depending on booking type. Silver earns 1%, Gold earns 2%, and Platinum earns 3% OneKeyCash on most bookings. Vrbo earning rates are tiered by status (Blue 0%, Silver 1%, Gold/Platinum 2% as of May 2025). Flights earn 0.2% across all tiers.
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Coverage provided by this benefit is secondary. Cardholders are eligible for reimbursement for the cost of the nonrefundable scheduled common carrier
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage provided by this benefit is primary (except for New York Residents). In order for coverage to apply, you must pay for all of the cost to
The cardholder is eligible for coverage in the event they suffer an accidental loss of life, limb, sight, speech, or hearing while on a covered trip.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| — |
| — |
| — |
| Package bookings (flight + hotel combo) | 2,500 | — | — | — |
| VIP Access hotel properties | 5,000 | — | — | — |
| Hotel stays (best value redemptions) | 1,000 | — | — | — |
| Car rentals | 1,000 | — | — | — |
| Ground transportation | 100 | — | — | — |
| Activities and tours | 500 | — | — | — |
| Cruises | 3,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
OneKeyCash cannot be transferred between accounts or pooled with family members. However, you can book travel for others and earn OneKeyCash on their bookings under your account.
No. When booking through the Expedia/One Key platform, you will not earn hotel loyalty program points (like IHG, Marriott, or Hilton points). You earn only OneKeyCash through One Key. To earn hotel loyalty points, you must book directly with the hotel chain.
Trip elements are individual components that count toward your annual status tier requirements. Each element includes hotel night, vacation rental night, flight ticket, car rental day, cruise night, ground transport booking, or activity booking. You need 5 elements for Silver, 15 for Gold, and 30 for Platinum status.
Blue members earn 0-2% depending on booking type. Silver earns 1%, Gold earns 2%, and Platinum earns 3% OneKeyCash on most bookings. Vrbo earning rates are tiered by status (Blue 0%, Silver 1%, Gold/Platinum 2% as of May 2025). Flights earn 0.2% across all tiers.
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