Flight Centre vs Webjet vs Hotels.com Packages 2026 for Australians

Last Thursday night, the same Sydney to Nadi 5-day Fiji package pulled on three sites inside 20 minutes: Webjet Exclusives at A$2,185 per person twin share on Fiji Airways plus 4 nights at the Sofitel Fiji Resort; Hotels.com flight-plus-hotel at A$2,245 per person on the same airline-hotel combination; Flight Centre consultant-quoted at A$2,320 per person with Price Beat offered against the Webjet rate. Three platforms, three different stacks of fees, loyalty programs, and refund policies, and the answer to "which should I book" depends less on headline price than on how complex your trip is and whether you want someone on the phone when something goes wrong.

This piece walks Flight Centre, Webjet, and Hotels.com on the destinations Australians actually book from Sydney, Melbourne, Brisbane, Perth, and Adelaide, with in-cart same-trip price pulls across January to September 2026 and primary-source material from each company's own filings. All prices verified September 2026.

Verdict up front

For most Australian flight-plus-hotel package bookers in 2026:

• Cheapest package on simple return trips: Webjet Exclusives, by A$50 to A$200 per person over Hotels.com and A$100 to A$300 per person over Flight Centre consultant on 7-night Bali, Fiji, and Phuket pulls.
• Best for complex multi-stop or business-class itineraries: Flight Centre consultant, where consolidator and tour-operator fares beat public OTA inventory and the Price Beat Guarantee can match where competition exists.
• Best integrated loyalty: Hotels.com and Expedia AU share One Key, Expedia Group's unified cashback-credit program (replaced Hotels.com Rewards stamps).
• Best for Qantas Points optimisers: Qantas Hotels direct for status credit stacking on the flight portion; Webjet Exclusives for lower headline on non-Qantas-centric trips.
• Best refund flexibility on package: unbundled is best (book flight direct airline refundable, hotel on Free Cancellation OTA); of the three bundled options Hotels.com Free Cancellation inventory is the deepest on the hotel side.

Earn cashback on flight and hotel packages via ShopBack with Webjet, Expedia, Hotels.com, Luxury Escapes, and Wotif at the current published rate on each merchant page.

Methodology

Package pulls were made from flightcentre.com.au (both online booking engine and consultant-quoted via phone, with the consultant quote taken as the first-offered price before Price Beat is triggered), webjet.com.au/holidays, and hotels.com (flight-plus-hotel tab) between January and September 2026, on the first Tuesday of each month, searching the same airline-hotel combination same check-in and check-out dates. Sample destinations: Bali (Nusa Dua 5-star + Jetstar or AirAsia Indonesia return from Sydney), Fiji (Denarau 5-star + Fiji Airways from Sydney), Phuket (Patong 4-star + Thai AirAsia from Melbourne), Tokyo (Shinjuku 4-star + Qantas or Jetstar from Sydney), London (Kensington 4-star + Qantas via Perth or Singapore Airlines via Changi from Melbourne). Flight Centre consultant pulls were on the published-package rate before Price Beat; the Price Beat lever is a separate step applicable only against a comparable Australian retailer written quote. Expedia Group One Key terms are from the Expedia Group corporate site; Flight Centre Travel Group retail store count is from the FY25 Annual Report. Caveats: no sample captures Flight Centre consultant-only consolidator fares (which beat public OTA on complex multi-stop); flash promos shift pricing week to week; refund terms are a stack per supplier within each package. Where terms have changed since 2026-09-30 the live merchant site is the source.

Platform by platform

Flight Centre

Flight Centre Travel Group is Australia's largest travel retailer (founded 1982, ASX-listed FLT) with a hybrid brick-and-mortar plus online model. The retail network reduced from over 1,000 Australian stores pre-2020 to over 300 as of 2026 per Flight Centre Travel Group FY25 filings, with Westfield and major-mall concentration. Specialist brands include Travel Associates (luxury), Corporate Traveller (SME corporate), FCM Travel (enterprise corporate), and the Flight Centre Independent agent product.

Model: consultant-advised with online self-serve on simpler trips. Consultant bookings on complex itineraries have access to consolidator and tour-operator fares not available on public OTA inventory; the Captain's Package Price Beat Guarantee promises to beat a comparable advertised Australian-retailer quote by A$1 and give a A$100 travel voucher if the consultant cannot match. Fees include a per-trip Captain's Package service fee (around A$79 to A$125 per trip) and consultant markup on complex construction.

Who it is for: trip planners booking multi-stop, mixed-cabin, or business-class trips where consolidator fares and specialist expertise beat public OTA. Travellers who want someone on the phone when the trip breaks. Travellers burning Flight Centre travel credit from prior cancellations.

"We booked a 14-day Europe multi-stop via Flight Centre in 2026-05-18 (Sydney to London on Singapore Airlines Business, open-jaw London to Barcelona on British Airways, Barcelona to Rome on Vueling, Rome to Sydney on Qantas direct) and the consolidator Singapore Airlines Business fare was A$3,200 below the public OTA quote on the same route and cabin," said Hassan Abdul, a Sydney-based architect who books 2 to 3 international trips a year.

Cashback via ShopBack is not currently a direct cashback merchant for consumer Flight Centre bookings as of 2026-09; for cashback-eligible flight-plus-hotel bookings use Webjet, Hotels.com, Expedia, or Luxury Escapes.

Webjet

Webjet Limited (ASX:WJL) is Australia's largest online-only travel group with two main consumer products: Webjet Flights (flight aggregator) and Webjet Exclusives (packaged flight-plus-hotel). Webjet also operates WebBeds, a global B2B hotel wholesaler, as a separate business segment.

Webjet Flights pulls fares from a wide airline inventory (Qantas, Virgin Australia, Jetstar, Singapore Airlines, Emirates, Cathay Pacific, Air New Zealand, Fiji Airways, Thai, Scoot, and others) with a Webjet booking service fee applied per segment. Webjet Exclusives is the packaged product running on an Expedia Group-powered inventory backend with negotiated bundle pricing.

Who it is for: Australian lowest-price-hunting bookers on standard return itineraries (one gateway, one destination, 3 to 14 nights). Webjet Exclusives bundle is competitive with Hotels.com flight-plus-hotel and Expedia AU packages on identical airline-hotel combinations.

"I booked Webjet Exclusives Sydney to Denpasar + 7 nights at the Westin Nusa Dua for A$2,985 per person twin share on Jetstar in 2026-04-22, and the Hotels.com flight-plus-hotel equivalent was A$3,110 per person on the identical airline-hotel package," said Nicola Papadopoulos, a Sydney-based accountant who books Bali twice a year.

Cashback via ShopBack on Webjet is periodic and depends on the current published rate on the Webjet ShopBack merchant page.

Hotels.com

Hotels.com is an Expedia Group OTA (acquired 2001) focused on hotel bookings with a growing flight-plus-hotel package product. Model: hotel-first inventory sourcing with package construction powered by Expedia Group's shared airline and hotel inventory. The platform has deeper hotel-brand inventory on North American and European chains than Australian-headquartered Webjet.

Loyalty: Hotels.com Rewards (the stamp-based program where every 10 nights earned 1 reward night at the average rate) has been discontinued and replaced by Expedia Group's unified One Key program (launched Australia 2024). One Key earns OneKeyCash on eligible bookings (approximately 2% hotels, 2% packages, up to 5% VIP Access rates for higher tiers), with status tiers (Blue, Silver, Gold, Platinum) based on OneKeyCash earned and nights or package nights booked in 12 months. OneKeyCash redeems as credit on future Hotels.com, Expedia, or Vrbo bookings.

Who it is for: Hotels.com-loyal members with built-up One Key balance, Expedia Group loyalists, package bookers on American and European chain hotels. The Expedia AU booking engine is essentially the same inventory and can be used interchangeably.

"We booked Hotels.com flight-plus-hotel for a Melbourne to Phuket 4-day on Thai AirAsia + 4 nights at the Novotel Phuket Vintage Park for A$1,620 per person twin share in 2026-03-14, and the One Key earn put A$32 OneKeyCash back on the booking, which we used on our next Hotels.com stay in Hobart in June," said Ethan Carrington, a Melbourne-based IT consultant who books 6 to 8 hotel stays a year.

Cashback via ShopBack on Hotels.com applies at the current published rate on the Hotels.com ShopBack merchant page and stacks with One Key earn.

Where ShopBack sits on a package booking

ShopBack is Australia's cashback platform with over 20 million members across 13 markets. Direct cashback at the current published rate applies on Webjet, Hotels.com, Expedia, Luxury Escapes, Wotif, Agoda, Trip.com, and Qantas Hotels on each ShopBack merchant page. Flight Centre direct is not currently a consumer cashback merchant on ShopBack. For a flight-plus-hotel package where cashback matters, book Webjet Exclusives, Hotels.com flight-plus-hotel, or Expedia AU package via ShopBack, or unbundle (book flight direct + hotel on Agoda or Booking.com via ShopBack).

Order of operations: open the merchant page on ShopBack via the Cashback Buddy Chrome extension on desktop or the ShopBack app on mobile, click through to the merchant, complete the booking in the same session so the tracking cookie fires.

3-way package platform comparison

Feature	Flight Centre	Webjet	Hotels.com
Type	Travel retailer (consultant + online)	OTA (flights + packages)	OTA (hotels + packages)
Headquarters	Brisbane, Australia	Melbourne, Australia	Dallas, US (Expedia Group)
Listing	ASX:FLT	ASX:WJL	NASDAQ:EXPE (Expedia Group)
Model	Consultant + online with Price Beat Guarantee	Flight aggregator + packaged bundles	Hotel-first + packages via Expedia inventory
Package booking engine	In-house consultant + online	Webjet Exclusives (Expedia Group powered)	Hotels.com flight-plus-hotel (Expedia Group)
Service fees	A$79-125 Captain's Package + consultant markup	Webjet flight service fee per segment; Exclusives bundled	OTA service fee bundled in headline
Price-match	Captain's Package Price Beat (A$1 undercut + A$100 voucher)	None (lowest-price OTA model)	None (Expedia Group OTA model)
Loyalty program	None direct (consultant relationship)	None direct	One Key (replaced Hotels.com Rewards 2024)
Refund flexibility	Supplier terms + consultant service fee	Supplier terms per bundle component	Supplier terms + Expedia Free Cancellation on eligible hotels
Store network	300+ retail stores (Westfield + malls)	Online only	Online only
Phone support	Consultant on direct line + stores	Call centre	Call centre + chatbot
Best for	Complex multi-stop, business class, consolidator unlock, Flight Centre credit holders	Lowest-price simple return packages	One Key loyalists, Expedia Group ecosystem users
Cashback via ShopBack	Not currently a cashback merchant	Periodic at current published rate	Periodic at current published rate

Destination by destination same-package pulls

In-cart same-airline same-hotel same-date pulls Jan to Sep 2026 sample. Per person twin share including taxes and service fees as displayed. All prices verified September 2026.

Package	Flight Centre consultant	Webjet Exclusives	Hotels.com flight-plus-hotel	Winner
Sydney to Denpasar 7 nights Nusa Dua 5-star (Mulia) on Jetstar	A$3,250-3,450	A$2,980-3,180	A$3,020-3,250	Webjet
Sydney to Nadi 5 days Denarau 5-star (Sofitel) on Fiji Airways	A$2,320-2,520	A$2,185-2,365	A$2,245-2,420	Webjet
Melbourne to Phuket 4 nights Patong 4-star (Novotel Vintage Park) on Thai AirAsia	A$1,780-1,920	A$1,580-1,720	A$1,620-1,770	Webjet
Sydney to Tokyo Narita 5 nights Shinjuku 4-star on Qantas 787	A$3,280-3,480	A$3,150-3,320	A$3,200-3,380	Webjet
Melbourne to London 10 nights Kensington 4-star on Singapore Airlines via Changi	A$5,850-6,250	A$5,650-5,980	A$5,720-6,080	Webjet
Perth to London 10 nights Kensington 4-star on Qantas direct QF9	A$6,120-6,520	A$5,820-6,150	A$5,890-6,240	Webjet
Brisbane to Nadi 4 nights Denarau 4-star (Novotel) on Virgin Australia + Fiji Airways	A$1,980-2,180	A$1,850-2,050	A$1,890-2,090	Webjet

The headline pattern. Webjet Exclusives wins on simple return packages by A$50 to A$200 per person over Hotels.com and A$100 to A$300 per person over Flight Centre consultant. Flight Centre's Price Beat Guarantee closes the gap on identical competing quotes but requires the consumer to shop the quote first and bring it in writing.

Where Flight Centre genuinely wins is on complex construction (multi-stop, open-jaw, mixed-cabin, round-the-world) where consolidator fares beat public OTA by A$500 to A$3,000+ depending on cabin and route; this does not show up in a same-airline same-hotel same-date pull because the Flight Centre advantage sits on unlisted inventory.

When Flight Centre genuinely wins

• Multi-stop or open-jaw itinerary (Sydney to London one way, London to Rome one way, Rome to Sydney one way): consolidator fare construction beats stitched one-way OTA fares by A$300 to A$1,500+ in Economy and A$1,500 to A$5,000+ in Business.
• Business class on consolidator: Qantas, Singapore Airlines, Cathay Pacific, and Emirates Business class on consolidator and tour-operator fares often sits A$500 to A$3,000 below public OTA.
• Round-the-world fares: Oneworld Explorer and Star Alliance Round the World constructed by consultant beats self-serve.
• Flight Centre travel credit from prior cancellation: credit is non-transferable to OTAs; book via Flight Centre to redeem.
• Someone-on-the-phone-when-it-breaks requirement: cancellation, missed connection, hotel overbooking during the trip. OTA call centres and chatbots are less responsive on complex rebooking.

When Webjet wins

• Simple return trip, one airline, one hotel, 3 to 14 nights (Sydney-Denpasar, Melbourne-Phuket, Brisbane-Nadi).
• Lowest-price-hunting with no loyalty attachment.
• Comfortable self-serving if the trip breaks.
• Cashback via ShopBack layer wanted: Webjet is on the ShopBack merchant list at the current published rate.

When Hotels.com wins

• One Key loyalist with built-up OneKeyCash balance: redeem on next booking.
• Hotel-chain-first booker on US and European chains: Marriott, Hilton, Hyatt, IHG where Hotels.com has deep inventory parity.
• Multi-trip plan with Expedia Group ecosystem: Hotels.com, Expedia, Vrbo cashback-credit stackable.
• Package booker who values Free Cancellation inventory on the hotel side: Hotels.com has deep Free Cancellation hotels; book package with Free Cancellation hotel to retain hotel-side refund flexibility.

Verdict by persona

The twice-a-year 7-night Bali or Fiji couple on Jetstar or Fiji Airways: Webjet Exclusives on the cheapest same-package pull, cashback via ShopBack on Webjet at the current published rate.

The Business class or multi-stop international trip-planner: Flight Centre consultant for consolidator unlock. Cashback via ShopBack does not apply; the saving comes from the consolidator fare.

The Expedia Group loyalist with One Key balance: Hotels.com or Expedia AU direct, cashback via ShopBack on each at the current published rate stacks with OneKeyCash earn.

The Qantas Points earner on Sydney to Tokyo or Sydney to LAX: Qantas Hotels direct for status credit stacking on the flight. Cashback via ShopBack on Qantas Hotels at the current published rate.

The 1 to 2-night corporate traveller: not a packages play. Book flight direct and hotel on Agoda or Booking.com via ShopBack at the current published rate on each merchant page.

The Flight Centre travel-credit holder: Flight Centre consultant to burn the credit; the credit is non-transferable to OTAs.

When this does NOT apply

• Flash sale windows (Luxury Escapes 24-hour drops, Webjet Exclusives flash promos, Hotels.com member-only VIP Access) where the cheapest same-package pull inverts hour by hour.
• Package deal + credit card promo stack: Amex Travel, HSBC Travel, or NAB Qantas card promos may fire on direct hotel-brand booking (Marriott.com, Hilton.com) and not on OTA packages; shop the credit card offer alongside the package.
• Air New Zealand, Jetstar, Scoot, AirAsia Indonesia, or Fiji Airways where airline-direct holiday package portals (airnewzealand.com.au/holidays, jetstar.com/au/en/holidays) may undercut OTA packages by A$30 to A$150 per person.
• Travel voucher or expired-credit-redemption scenarios: non-transferable credits lock the booker to the issuer platform.
• Group bookings of 10-plus people where Flight Centre's Group Travel and corporate consultant unlock negotiated rates OTAs cannot match.

Frequently asked questions

Is Flight Centre's Price Beat Guarantee actually worth it in 2026?

Flight Centre's Captain's Package Price Beat promises to beat a comparable advertised Australian-retailer package by A$1 and give a A$100 travel voucher if a consultant cannot match. Works on branded like-for-like pulls where Webjet Exclusives or Hotels.com has a lower rate on the same airline-hotel. Does not match Luxury Escapes bundled packages (different inclusion sets), unpublished tour-operator rates, or metasearch-scraped prices. See [[travel-is-webjet-cheaper-than-flight-centre-australia-2026]] for the deeper walk-through. Cashback via ShopBack applies on the destination OTA, not Flight Centre direct.

Is Webjet still trustworthy for Australian flight-plus-hotel packages in 2026?

Webjet is ASX-listed (ASX:WJL) and remains Australia's largest online-only travel group. Webjet Exclusives packaged product operates normally as of 2026-09 with Expedia Group-powered inventory. Service levels and refund handling drew complaints during COVID (shared with the broader OTA sector); the ACCC maintained watching briefs. Standard terms: pay in full at booking, cancellation per supplier policy. Cashback via ShopBack is periodic and depends on the current published rate on the Webjet ShopBack merchant page.

Does Hotels.com Rewards still exist in 2026 or has it been replaced by One Key?

Hotels.com Rewards (stamp-based) has been discontinued and replaced by Expedia Group's One Key loyalty program (launched Australia 2024). One Key earns OneKeyCash on bookings (around 2% hotels, 2% packages, 5% VIP Access rates for higher tiers) across Hotels.com, Expedia, and Vrbo. Status tiers Blue, Silver, Gold, Platinum. Verify current terms at hotels.com/customer-care/rewards.html. The hotel-stamp mechanic is gone. See [[travel-agoda-booking-hotelscom-loyalty]] for the full loyalty-program comparison.

Which platform has the best Bali flight-plus-hotel package for an Australian in 2026?

Jan to Sep 2026 7-night Nusa Dua 5-star + return from Sydney: Webjet Exclusives typically A$2,850 to A$3,250 pp twin share on Jetstar + Mulia or Westin. Hotels.com flight-plus-hotel A$2,900 to A$3,300. Flight Centre consultant A$2,950 to A$3,450 with Price Beat available. Flight Centre may be worth A$100 to A$300 pp for consultant support on complex trips; Webjet wins A$50 to A$200 pp on simple pulls. Cashback via ShopBack on Webjet, Hotels.com, Expedia, Luxury Escapes, or Trip.com at the current published rate.

When should I use a Flight Centre consultant vs booking Webjet or Hotels.com direct?

Flight Centre consultant when: complex multi-stop or open-jaw, business or round-the-world consolidator fare unlock, phone support need, Flight Centre credit to burn, Price Beat unlock on competing quote. Webjet or Hotels.com direct when: simple return, 3 to 7 nights, mainstream hotel, cashback via ShopBack layer wanted, comfortable self-serving if the trip breaks.

What is the cheapest way to book Qantas plus hotel package for a Sydney to Tokyo trip in 2026?

Jan to Sep 2026 Sydney-NRT Qantas 787 + 5 nights Shinjuku 4-star: Qantas Hotels direct A$3,250 to A$3,850 pp twin share with Qantas Points stacking on accommodation. Webjet Exclusives A$3,150 to A$3,750 pp (typically cheapest headline). Hotels.com A$3,200 to A$3,800. Expedia AU A$3,180 to A$3,780. Qantas Points earners pick Qantas Hotels for status credit; headline-hunters pick Webjet. Cashback via ShopBack on Qantas Hotels, Webjet, Hotels.com, and Expedia at current published rates.

Does Flight Centre still exist as walk-in stores or is it mostly online in 2026?

Both. Over 300 Australian stores as of 2026 (reduced from 1,000+ pre-2020) per Flight Centre Travel Group FY25 filings. Westfield and major-mall concentration. Specialist brands: Travel Associates (luxury), Corporate Traveller (SME), FCM Travel (enterprise). Online channel at flightcentre.com.au grew substantially 2020 to 2025. Walk-in consultant booking remains structural strength on complex itineraries.

Is Webjet Exclusives different from Webjet flights and should I book separately?

Yes. Webjet Flights is the flight aggregator with per-segment service fee. Webjet Exclusives is packaged flight-plus-hotel on Expedia Group-powered inventory with bundled negotiated pricing. Flight + hotel separately on Webjet Flights + Agoda typically lands A$40 to A$200 higher than Webjet Exclusives on identical bookings. For packages book Webjet Exclusives. Cashback via ShopBack on Webjet at current published rate.

Can I get cashback via ShopBack on Flight Centre, Webjet, or Hotels.com bookings in Australia?

Cashback at the current published rate applies on Webjet, Hotels.com, Expedia, Trip.com, Agoda, Luxury Escapes, Wotif, and Qantas Hotels in Australia. Flight Centre direct is not currently a ShopBack cashback merchant. Activate ShopBack via the Chrome extension or app, click through from the ShopBack page, complete booking in one session.

Which platform has the best refund policy if my package booking needs to cancel?

Package refund terms are a stack per supplier within the bundle. Webjet Exclusives: supplier policy, OTA service fee non-refundable. Hotels.com flight-plus-hotel: hotel may be Free Cancellation on eligible inventory, flight per airline fare class. Flight Centre consultant: consultant interprets supplier terms + Flight Centre service fees applicable to changes. Maximum flexibility: unbundle (airline refundable fare + Agoda or Booking.com Free Cancellation hotel). Cashback via ShopBack applies on paid-and-retained; refunds void cashback on refunded portion.

How do I use the ShopBack Travel Planner when comparing these platforms?

Run the ShopBack Travel Planner at shopback.com.au/travel to compare cashback-eligible packages across Webjet, Hotels.com, Expedia, Luxury Escapes, Wotif, Trip.com, Agoda, and Qantas Hotels. Start at ShopBack, click through to the OTA, complete booking in one session so cashback tracks at the current published rate on the merchant page.

Ready to book

• Webjet via ShopBack
• Hotels.com via ShopBack
• Expedia via ShopBack
• Luxury Escapes via ShopBack
• Wotif via ShopBack
• Agoda via ShopBack
• Trip.com via ShopBack
• Qantas Hotels via ShopBack

Not a ShopBack member yet? Sign up free at shopback.com.au. The Chrome extension pings the current published cashback rate the moment you land on eligible travel sites.

Key takeaways

• Webjet Exclusives typically wins same-package pulls on simple return bundles by A$50 to A$200 per person over Hotels.com and A$100 to A$300 per person over Flight Centre consultant.
• Flight Centre consultant wins on complex multi-stop, business, and consolidator-fare constructions where unlisted inventory beats public OTA by A$500 to A$3,000+.
• Flight Centre operates 300+ retail stores + online as of 2026 (reduced from 1,000+ pre-2020).
• Webjet is ASX-listed (ASX:WJL) and Australia's largest online-only travel group. Webjet Exclusives runs on Expedia Group-powered inventory.
• Hotels.com Rewards (stamp-based) has been discontinued and replaced by One Key cashback-credit program across Expedia Group (Hotels.com, Expedia, Vrbo).
• Flight Centre Price Beat Guarantee works on comparable Australian-retailer written quotes on identical airline-hotel combinations; does not match Luxury Escapes bundled packages or metasearch-only quotes.
• Cashback via ShopBack applies on Webjet, Hotels.com, Expedia, Luxury Escapes, Wotif, Agoda, Trip.com, and Qantas Hotels at the current published rate on each merchant page. Flight Centre direct is not currently a cashback merchant.
• Qantas Hotels direct is the best path for Qantas Points status credit stacking on the flight portion of a package.
• Maximum refund flexibility: unbundle (airline refundable + Free Cancellation hotel) rather than booking a package.
• Package pulls shift week to week; cross-check Webjet, Hotels.com, Expedia AU, and Luxury Escapes before committing to a specific package.

💡 Earn cashback on flight and hotel packages via ShopBack with Webjet, Expedia, Hotels.com, Luxury Escapes, and Wotif Takes 2 minutes to sign up. No promo codes needed.

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About this article

As of 2026-10-01, package deal pricing, airline inventory, hotel inventory, loyalty programs, service fees, and refund policies are subject to change. Verify Flight Centre terms at flightcentre.com.au, Webjet at webjet.com.au, Hotels.com and One Key at hotels.com, and Expedia Group One Key before booking. Flight Centre Travel Group FY25 Annual Report at fctgl.com/investors and Expedia Group FY25 Annual Report at expediagroup.com/investors. ShopBack receives a commission when readers complete a booking through a cashback link; this commission does not vary by editorial coverage.

The views expressed are those of the author, for informational purposes only, and not professional advice.

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