Ethan On A Tangent

The OneKey+ Card Is My New Favorite Everyday Card

Ethan Tang -

(Out of 23 cards as of writing.)

As someone with a wallet full of credit cards, the OneKey+ Card has quickly become my go-to for everyday spending. It’s practical, rewarding, and designed for people who want flexibility in their rewards without the usual hassle.

Everyday Rewards Done Right

The OneKey+ Card earns:

  • 3% back on Expedia, Hotels.com, and Vrbo purchases.
  • 3% back at gas stations, grocery stores, and dining (including takeout and delivery).
  • 2% back on all other purchases.

For most people, that 2% on everything else makes it an incredibly simple, high-value card for everyday use. No complex categories, no rotating bonuses—just steady earnings.

Why It Beats Its $0 Annual Fee Cousin

The OneKey+ Card does carry a $99 annual fee, but here’s why it’s worth it:

  • $100 OneKey Cash Annual Credit: This credit offsets the fee entirely if you book at least $100 annually through Expedia, Hotels.com, or Vrbo.
  • Higher rewards rates: You earn more on everyday spending and travel bookings compared to the OneKey Cash card, making it a better choice if you can maximize the rewards.

If you’re already planning one trip a year, this card pays for itself while offering elevated rewards on everything else.

Tiered Rewards Boost Through Expedia & Hotels.com

Booking through Expedia or Hotels.com with the OneKey+ Card doesn’t just earn you 3% back. You also earn tiered rewards based on your membership status in the One Key program. For example:

  • Base tier members earn an additional 2% back on hotels, activities, and packages, plus the 3% from the card.
  • Silver, Gold, or Platinum members stack even higher earnings, especially at VIP Access properties, where you can earn bonus OneKey Cash and perks like free upgrades.

When you combine these rewards with the card’s earning potential, the returns are significantly amplified.

Who Should Think Twice

The card isn’t ideal for non-travelers. OneKey Cash rewards expire after 12 months of earning, which means you need to use them annually to get full value. If you can’t commit to at least one travel booking a year, this isn’t the card for you.

Enhance Rewards with Rakuten

Want to maximize your rewards further? Pair the OneKey+ Card with Rakuten’s cashback platform. Rakuten often offers cashback for Expedia, Hotels.com, and Vrbo bookings. By stacking Rakuten cashback with the card’s 3% back on travel, you can significantly boost your overall earnings.

Why It’s My Favorite

With its combination of simplicity, high rewards rates, and practical travel perks, the OneKey+ Card stands out in my arsenal of 23 credit cards. It’s especially valuable for anyone who travels at least once a year and wants a card that rewards both everyday spending and annual getaways.

If you’re looking for a no-nonsense card that delivers where it matters, the OneKey+ Card deserves a spot in your wallet.