Expedia OneKey Premium Credit Card from Citi
Basic Information
Program ID: expedia-one-key-premium-card
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 15:53
Last Scraped: 01/15/2026 15:55
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-5.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. (Minimum $5) |
| 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: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: OneKeyCash
Base Reward Rate: 2.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4% on eligible Expedia purchases (flights, hotels, cars, packages, activities), 2% on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: OneKeyCash expires 18 months after earning if no qualifying activity (booking or redemption) occurs.
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
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
- Hotel Status: Expedia Platinum
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: Eligibility for the welcome bonus requires that the applicant has not received a welcome bonus for the Expedia One Key Premium Card or any card within its product family within the last 24 months. Citibank's general application rules typically limit new card approvals to no more than one card every 8 days and no more than two cards every 65 days. Applicants must also meet Citibank's creditworthiness standards, including a good to excellent credit score and sufficient income.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3-6 months, typically 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit with the issuer, rapid application for multiple cards, suspicious spending patterns, abuse of welcome bonuses or return policies, not using the card after meeting the bonus spend.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
High rewards on Expedia purchases (10x OneKeyCash), good rates on dining and other travel (4x OneKeyCash), includes an annual travel credit and OneKey Gold status, and no foreign transaction fees.
Top Negative Feedback:
Annual fee may not be justified for infrequent Expedia users, rewards are tied to the Expedia OneKey program limiting flexibility, and general spending rewards are lower than some competitors.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture X Rewards Credit Card
- Citi Premier Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $1,425.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 96 months
Store vs Co-brand: 65% General / 35% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: February 2024