One Key+™

The One Key+™ is worth a look if you already book a meaningful share of your trips through Expedia, Hotels.com, or Vrbo and want one card that also holds up reasonably well for daily purchases. Earning 6% on Expedia, 5% on Vrbo, 3% on dining, gas, and grocery purchases, plus 2% everywhere else gives it a stronger everyday floor than many travel cards with a similar fee.

The main tradeoff is that this card's value depends heavily on where you book. If you prefer booking direct with airlines and hotels, comparison shopping across travel sites, or using flexible travel points, the $99 annual fee is harder to justify, especially since no card benefits are listed here to help offset it. For loyal One Key users, the rewards structure can make sense. For everyone else, this is more of a niche fit than a default travel card.