Expedia® One Key™ Credit Card
Basic Information
Program ID: expedia-one-key-card
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 15:51
Last Scraped: 01/15/2026 15:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your account within 8 to 12 weeks after you meet the purchase requirement.
Rewards Program
Reward Type: OneKeyCash
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.04%
Bonus Categories: 4% OneKeyCash on eligible Expedia purchases (flights, hotels, cars, packages, activities); 2% OneKeyCash on other travel purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: OneKeyCash expires if there is no qualifying activity in 18 months.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Hotel Status: Expedia OneKey Silver
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants are generally eligible for a new cardmember bonus if they have not received a bonus for the Expedia OneKey Card or any card within the Expedia OneKey family in the past 24 months. Eligibility also requires meeting Citibank's creditworthiness criteria, including a good to excellent credit score, sufficient income, and a manageable debt-to-income ratio. Citibank considers overall application velocity, though the 24-month bonus rule is the most prominent specific restriction.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products relative to income, rapid succession of new credit applications (especially within Citibank), 'bust-out' behavior, not using the card after meeting the bonus, defaulting on other Citibank accounts, or frequent balance transfers without new spending.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong earning rates on Expedia bookings, valuable travel benefits, and a decent sign-up bonus for frequent Expedia users.
Top Negative Feedback:
Rewards are primarily tied to Expedia, which can limit flexibility; potentially high APR for some users; better general travel cards exist for broader redemption options.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Citi Premier Card
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% General / 30% Co-brand Specific
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: 202403