One Key™ Card & One Key+™ Card: Travel Rewards, Simplified

One ecosystem. Two cards. Unlimited ways to travel smarter.

The One Key™ Card and the One Key+™ Card represent a new approach to travel rewards—one that removes complexity and replaces it with flexibility, clarity, and real-world usability. Instead of forcing travelers to manage multiple loyalty programs, these cards operate within a single, unified rewards ecosystem designed to make earning and redeeming rewards intuitive.

Both cards allow everyday spending and travel purchases to work together toward meaningful travel value. While they share the same rewards foundation, each card serves a different type of traveler. The One Key™ Card offers a straightforward, accessible experience, while the One Key+™ Card enhances that experience with stronger perks and premium benefits. Together, they provide a scalable rewards strategy that adapts to how you travel.

Benefits and Rewards: Full Breakdown

The One Key™ Card and One Key+™ Card are built around a unified rewards structure that lets cardholders earn rewards on travel and everyday spending, then redeem them seamlessly within the One Key ecosystem.

Welcome Offers

Both cards feature introductory reward offers for new cardmembers who meet a qualifying spending requirement within the first few months of account opening. These welcome rewards are designed to help users experience the value of the One Key ecosystem early, often covering part of a future trip or travel booking.

The One Key+™ Card typically offers a larger introductory reward, reflecting its more premium positioning.

Rewards Earning Structure

Cardholders earn rewards across multiple categories:

• Travel Purchases Within the One Key Ecosystem
  Earn accelerated rewards when booking eligible travel through participating One Key platforms. This includes hotels, vacation rentals, and other travel-related purchases, making travel bookings one of the fastest ways to accumulate rewards.
• Everyday Spending Categories
  Earn bonus rewards on select everyday purchases, allowing routine expenses to consistently contribute toward future travel. This ensures the cards remain valuable even when you’re not actively traveling.
• All Other Purchases
  Earn base rewards on all other eligible purchases, ensuring that every transaction adds value and helps grow your rewards balance.

Key Difference Between the Two Cards

• The One Key™ Card focuses on simplicity and accessibility, making it ideal for travelers who want rewards without complexity.
• The One Key+™ Card enhances earning potential and adds premium benefits, making it better suited for frequent travelers who want more value from their spending.

Elite Benefits and Travel Enhancements

One of the standout features of the One Key+™ Card is access to enhanced benefits within the One Key ecosystem, which may include priority travel advantages, better redemption flexibility, and additional travel-related perks.

Both cards are designed to integrate smoothly with your travel planning process, reducing friction between earning rewards and using them.

Rates, Fees, and Cost Structure

Below is a simplified and clear overview of the typical fees associated with the One Key™ Card and the One Key+™ Card.

Feature	One Key™ Card	One Key+™ Card
Annual Fee	$0	$99
Welcome Offer	$300 OneKeyCash™	$400 OneKeyCash™
Travel Rewards	3% on Expedia, Hotels.com & Vrbo	3% on Expedia, Hotels.com & Vrbo
Everyday Spending	3% gas, groceries & dining	3% gas, groceries & dining
Other Purchases	1.5%	2%
Member Tier	Silver → Gold	Gold → Platinum
Best For	No-fee travel rewards	Higher ongoing value

The One Key™ Card offers a no-annual-fee structure, making it easy to keep long term. The One Key+™ Card carries an annual fee, but offsets it with stronger rewards and additional benefits for travelers who use the card actively.

Assistances, Protections, and Insurance Benefits

Both cards include protections designed to add confidence and peace of mind when traveling or using the card for everyday purchases. The One Key+™ Card typically offers broader coverage.

Travel and Purchase Protections

• No Foreign Transaction Fees
  Use the cards internationally without paying extra fees on purchases made outside the United States.
• Purchase Protection
  Eligible purchases may be protected against damage or theft within a specified period after purchase.
• Extended Warranty Coverage
  Certain purchases may receive extended warranty protection beyond the manufacturer’s original warranty.

Additional Benefits on the One Key+™ Card

• Enhanced travel assistance services
• Access to premium Mastercard benefits, including concierge-style services
• Expanded protections that add value for frequent travelers

These benefits make the Plus version especially appealing for those who travel often and want added security and convenience.

Eligibility and How to Apply

Who Can Apply

Approval for the One Key™ Card and One Key+™ Card generally depends on:

• Credit history and overall credit profile
• Income and ability to repay
• Accuracy of the information provided during the application
• Issuer-specific approval criteria

Applicants with established credit histories typically have stronger approval odds, especially for the One Key+™ Card.

How to Apply

The application process is straightforward and can be completed online:

1. Choose between the One Key™ Card or One Key+™ Card based on your travel needs.
2. Complete the online application with your personal and financial details.
3. Submit the application for review.
4. Receive a decision—many applicants receive a response quickly.
5. Upon approval, activate your card and begin earning rewards.

Once approved, the card integrates seamlessly into your digital wallet and travel planning routine.

Frequently Asked Questions

1. What is the main difference between the One Key™ Card and the One Key+™ Card?

The One Key™ Card focuses on simplicity and no annual fee, while the One Key+™ Card adds premium benefits, higher rewards potential, and enhanced protections.

2. Can rewards be redeemed for different types of travel?

Yes. Rewards can be used across multiple travel options within the One Key ecosystem, offering flexibility in how you plan trips.

3. Do these cards charge foreign transaction fees?

No. Both cards can be used internationally without foreign transaction fees.

4. Are rewards earned on everyday purchases?

Yes. Both cards earn rewards on everyday spending, not just travel purchases.

5. Is the One Key+™ Card worth the annual fee?

For travelers who frequently book travel and want enhanced benefits, the added rewards and protections can outweigh the annual fee.

Conclusion: One Rewards System, Two Smart Choices

The One Key™ Card and One Key+™ Card offer a simpler, more flexible way to earn and use travel rewards within one unified ecosystem. While the One Key™ Card is ideal for no-fee, everyday rewards, the One Key+™ Card adds enhanced benefits for frequent travelers.

Together, they provide a modern solution that turns everyday spending into travel experiences—without complexity.