2 Best One Key Credit Cards for Earning Up to $400 in Rewards

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right travel credit card can make a big difference when booking trips through Expedia’s One Key rewards program. With automatic status perks, bonus earning opportunities, and flexible redemption choices, these two cards stand out as practical tools for frequent travelers.

  • One Key+ Card

    The One Key+ Card is designed for travelers who book often through Expedia’s One Key rewards program. It provides a mix of rewards and perks that add extra value when used for travel purchases.

    Cardholders gain access to enhanced earning rates and loyalty benefits tied directly to Expedia’s platform. This makes it most useful for people who want to maximize rewards on hotel, flight, and package bookings.

    Earning Structure:

    • 3% back in OneKeyCash on Expedia, Hotels.com, and Vrbo (in addition to what you earn as a One Key member)
    • 3% back in OneKeyCash at gas stations, grocery stores, and on dining
    • 2% back in OneKeyCash on other purchases

    Welcome Bonus:

    New cardholders can earn a bonus worth up to $400 in One Key rewards after spending $3,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $99
    • APR: Variable, typically 19.24%, 24.24%, or 29.24%
    • Network: Mastercard
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Additional perks: Potential upgrade to Platinum with $30,000 annual spend

    Key Benefits:

    • Automatic Gold status in One Key rewards
    • No foreign transaction fees
    • Strong rewards on Expedia bookings
    • Travel benefits for frequent users
    • Access to Gold Member Prices on select hotels

    Redemption Options:

    Points can be redeemed for hotel stays, flights, rental cars, and other travel bookings through Expedia’s One Key program.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 score.

    Spending Limitations / Potential Drawbacks:

    The card is most beneficial for Expedia users, making rewards less useful for travelers who use other platforms.

    Why it Works for Beginners:

    It offers straightforward earning categories and travel perks, allowing new cardholders to easily recognize the value without complicated strategies.

  • One Key Card

    The One Key Card is the entry-level option in Expedia’s credit card lineup. It connects directly to the One Key rewards program, making it a simple way to earn rewards on everyday travel purchases.

    It provides automatic Silver status in the program, which unlocks member-only hotel discounts. The card is designed for travelers who want easy rewards without a steep learning curve.

    Earning Structure:

    • 3% in OneKeyCash on Expedia, Hotels.com and Vrbo (in addition to what you earn as a One Key member)
    • 3% in OneKeyCash at gas stations, grocery stores, and on dining
    • 1.5% in OneKeyCash on other purchases

    Welcome Bonus:

    The card currently offers $300 in OneKeyCash after spending $1,000 in the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, 19.24%, 24.24%, or 29.24%
    • Network: Mastercard
    • Type: Travel rewards credit card
    • Foreign transaction fees: None
    • Status benefit: Automatic Silver status in One Key rewards

    Key Benefits:

    • No annual fee to hold the card
    • Automatic Silver status with hotel savings
    • Cell phone protection against theft or damage
    • Access to discounted hotel rates worldwide
    • Easy-to-understand earning structure

    Redemption Options:

    Rewards can be redeemed as OneKeyCash for eligible travel booked through Expedia, Hotels.com, and Vrbo.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a FICO score starting at 620.

    Spending Limitations / Potential Drawbacks:

    Earnings on flights are low compared to other travel cards.

    Why it Works for Beginners:

    It offers simple rewards, no annual fee, and straightforward redemption, making it easy for new cardholders to manage.

Frequently Asked Questions

What are the benefits of using a One Key credit card?

A One Key card allows travelers to earn rewards on everyday purchases and travel booked through Expedia. It also provides access to the One Key loyalty program, which can be used across Expedia, Hotels.com, and Vrbo. Some cards include statement credits and bonus earnings on travel categories.

How can I earn up to $400 in rewards with a One Key credit card?

Cardholders can qualify for a welcome bonus by meeting minimum spending requirements. This can include statement credits and bonus points that together reach a value of up to $400. The exact reward depends on the card chosen and how much is spent in the first few months.

What is the process for obtaining pre-approval for a One Key credit card?

Applicants can check for pre-approval online through the card issuer’s website. This process uses a soft credit pull, which does not affect credit scores. Pre-approval helps determine eligibility before submitting a full application.

What steps should I follow to make a payment on my One Key credit card?

Payments can be made online through the issuer’s account portal. Cardholders may also set up automatic payments to avoid missing due dates. Mailing a check is another option, though online payments are faster.

Can I use my One Key credit card for Expedia bookings, and are there any associated perks?

Yes, both the One Key and One Key+ cards can be used for Expedia bookings. They earn extra rewards when used on travel purchased through Expedia’s platform. Additional perks may include bonus points, travel protection, or credits tied to Expedia purchases.