Book a lot of trips through Expedia, Hotels.com, or Vrbo and wondering if the One Key credit card earns its keep? The One Key card promises rewards on travel and everyday spending, plus travel status perks. But like any travel card, it works best for the right person, and it usually expects decent credit to qualify.
This review covers the One Key credit card rewards, APR, and fees in plain English. If your credit is still developing and you cannot qualify yet, we'll also point you to credit-builder cards that can get you ready.
What Is the One Key Credit Card?
The One Key credit card is a travel rewards card from Expedia Group and Wells Fargo, issued on the Mastercard network. It earns OneKeyCash, a rewards currency you can redeem across Expedia, Hotels.com, and Vrbo.
There are two versions: the no-annual-fee One Key card and the One Key+ card, which has a $99 annual fee and richer perks. Both are aimed at travelers who book through the One Key family of sites.
One Key Credit Card Rewards
As of June 2026, the One Key card earns 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo purchases, plus 3% at gas stations, grocery stores, and on dining. All other purchases earn 1.5% in OneKeyCash.
The no-fee One Key card offers a welcome bonus of $250 in OneKeyCash after you spend $1,000 in the first 3 months. The One Key+ card offers $350 after $3,000 in 3 months. Cardholders also get automatic One Key Silver status, with savings on eligible hotel bookings. Terms and conditions apply.
One Key Credit Card Fees and APR
The no-fee One Key card has no annual fee, while the One Key+ card charges $99 per year. The APR is variable and could be 18.49%, 23.49%, or 28.49%, depending on your creditworthiness.
There is no low introductory APR promotion on purchases or balance transfers. As with most rewards cards, carrying a balance can quickly cancel out the value you earn, so this card rewards people who pay in full. APRs vary by creditworthiness.
Who Should Consider It?
The One Key credit card fits frequent Expedia, Hotels.com, and Vrbo travelers with good credit who pay their balance in full each month. For that traveler, the rewards and status perks can add real value.
If your credit is still developing, a travel card like this may be out of reach for now. The good news is you can build credit first with a low-cost credit-builder card, then apply once your score qualifies. Let's start with the Self Visa Credit Card.
The Self Visa® Credit Card pairs a credit-builder account with a secured card, helping you grow your credit and a small savings balance at the same time.
Another flexible option is the Current Build Card. It helps you build credit from your everyday spending, with no traditional interest and no hard credit check to get started.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
For a simple, low-cost path, the Kikoff Secured Credit Card is built for people establishing or rebuilding credit. It reports your activity to the bureaus so your on-time payments count toward your score.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
How These Compare
The One Key credit card is a solid travel rewards card if you book through Expedia's sites and have good credit. The credit-builder cards above serve a different purpose: getting your score to the point where cards like One Key become available.
Think of it as a sequence. Start with a secured credit card or credit-builder account, build a track record of on-time payments, then move up to a rewards card once you qualify.
Tips for Building Credit
Pay every bill on time, since payment history is the largest factor in your score. Keep balances low relative to your limit, and use a card that reports to all three major bureaus.
Monitor your credit so you can see your progress. Tools like Creditship.ai can help you track your score and understand it. With consistent habits, you can typically qualify for better rewards cards over time.
If you are just getting started, our roundup of the best credit cards for beginners can help you choose a strong first card.
Is the One Key Credit Card Worth It?
For a frequent Expedia or Hotels.com traveler with good credit who pays in full, the One Key card can deliver useful rewards and travel perks, especially the no-annual-fee version. For everyone else, the value depends on how often you book through One Key sites.
If you need to build credit first, a card from Firstcard's credit-building lineup or one of the alternatives above can prepare you to qualify down the road.
Frequently Asked Questions
Does the One Key credit card have an annual fee?
The standard One Key card has no annual fee, while the One Key+ card charges $99 per year. The One Key+ card offers richer rewards and higher travel status to offset its fee for frequent travelers.
What credit score do I need for the One Key credit card?
Wells Fargo does not publish an exact requirement, but travel rewards cards like the One Key card generally favor applicants with good to excellent credit. If your credit is still developing, a credit-builder card can help you qualify later.
How do One Key rewards work?
The One Key card earns OneKeyCash, which you can redeem across Expedia, Hotels.com, and Vrbo. As of June 2026, it earns 3% on those travel sites plus gas, groceries, and dining, and 1.5% on everything else.
What if I cannot qualify for the One Key credit card?
If your credit is too low to qualify, start with a low-cost credit-builder or secured card that reports to all three bureaus. After building a track record of on-time payments, you can typically apply for a rewards card like One Key.
