One Key+™

For frequent users of Expedia, Hotels.com, and Vrbo, the One Key+™ delivers exceptional earnings that easily clear its $99 annual fee. Earning 6% on Expedia purchases and 5% on Vrbo stays gives you rapid reward accumulation on travel, while 3% back on groceries, gas, and dining helps build your balance on everyday expenses. The baseline 2% earn rate on general purchases keeps the card competitive even when you are not traveling. However, the card's value is tightly tied to the Expedia ecosystem. If you prefer booking directly with airlines and hotel chains to earn native elite status, or if you want premium travel perks like lounge access or comprehensive trip protections, a flexible general travel card will likely be a better fit.