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Card Economics
Annual Fee
$0
Ongoing Annual Value
$135
First-Year Value Estimate
$208
Net Value
+$135
Card type: PersonalForeign transaction fee: NoneCurrency: One Key (Expedia, Hotels.com, VRBO)
One Key Mastercard

One Key Mastercard

Wells Fargo
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Sign-up Bonus

$300 OneKeyCash after $1K spend in first 3 months
Am I eligible?

Earning Structure

3XDining2.7%
3XExpedia, Hotels.com, Vrbo2.7%
3XGas Stations2.7%
3XGrocery Stores2.7%
1.5XAll other purchases1.4%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Dining?Is this the best card for Expedia, Hotels.com, Vrbo?Is this the best card for Gas Stations?

Benefits

Elite Status (2)
  • One Key (Expedia Group): Silver
  • One Key (Expedia Group): Gold
Protections (5)
  • Travel Accident Insurance — up to $1,000,000 — $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance
  • Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per covered person per trip, $20,000 per account per 12-month period
  • Auto Rental Collision Damage Waiver (primary) — up to $50,000 — Up to $50,000 for collision damage and theft (primary, except for New York residents)
  • Cell Phone Protection — up to $1,000 — Up to $1,000 per claim, two claims per 12-month period with $25 deductible. Excludes cosmetic damage.
  • Mastercard ID Theft Protection — Credit monitoring, dark web monitoring and resolution support

Other Perks

  • Mastercard Concierge: 24/7 personal concierge service
  • Mastercard Travel and Lifestyle Services
  • Mastercard Golf: access to TPC Club network and private courses