Built for casual travelers who want to boost their point balance without paying an annual fee, the IHG One Rewards Credit Card turns everyday spending into future hotel stays. It works best as a zero-cost option for guests who frequent brands like Holiday Inn, Kimpton, and Crowne Plaza.
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Overview
Occasional IHG hotel stays
Everyday dining, grocery, and gas spend
No-annual-fee travel rewards
For travelers who stay at IHG properties a few times a year and want to avoid annual fees, this card provides clear, effortless value. You receive automatic Silver Elite status, five elite night credits each year, and useful everyday category multipliers, including 3x points on grocery, dining, and gas purchases. The massive welcome offer makes it particularly easy to jumpstart a point balance for future vacations.
However, more frequent guests may prefer a card with an annual fee that offers stronger perks, such as an annual free night certificate and a fourth night free on reward redemptions. If you rarely stay at IHG hotels, earning hotel-specific points on non-travel categories will offer less versatility than a standard cash-back or flexible travel card.
This card is ideal for casual IHG guests looking to maximize everyday spending without an annual fee, though frequent travelers will miss out on lucrative perks like free anniversary night certificates.
Welcome Offer
after spending $2,000 on purchases within the first 3 months of account opening.
Est. Value
$737.50
Required Spend
$2,000
Time Frame
3 Months
Est. Value
$737.50
Required Spend
$2,000
Time Frame
3 Months
Earning
You earn IHG One Rewards points on every purchase, with accelerated earnings on hotel stays, everyday expenses like food and fuel, and baseline spend.
IHG Hotels & Resorts Stays
Dining, Grocery Stores, Gas Stations
All Other Purchases
Everywhere
Rewards percent based on a valuation of 0.59¢ per IHG point
Annual Credits & Perks
Despite charging no annual fee, this card includes entry-level elite status, trip protections, and travel conveniences that add real value to your trips.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
DoorDash non-restaurant promoBenefits
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Extended Warranty Protection
Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Benefits
Complimentary DashPass membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Earn Gold Elite Status
Starting in 2027, you’ll earn IHG One Rewards Gold Elite status after you spend $15,000 on purchases each calendar year.
Automatic Silver Elite status
As an IHG One Rewards Credit Card cardmember, you enjoy automatic IHG One Rewards Silver Elite status as a benefit of your card.
Benefits
Enjoy 5 Elite Night Credits
Receive 5 Elite Night Credits (ENC) at the start of each calendar year as a head start towards a Milestone Reward and your next status tier.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
19.49% - 27.99%
Variable
Transfer APR
19.49% - 27.99%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$10
Late Payment
None
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
