Built for casual IHG guests who want practical hotel perks without an annual fee, the IHG One Rewards Traveler Credit Card turns occasional stays and everyday spending into reward nights. It functions best as an accessible companion card for travelers who want to stretch their points further on multi-night stays.
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Fourth-night-free award stays
Everyday gas and dining spending
No-annual-fee hotel rewards
With no annual fee, this card is easy to justify if you stay at Holiday Inn, Crown Plaza, or other IHG properties even once or twice a year. Its standout feature is the fourth night free on award redemptions, which effectively gives you a 25% discount when booking four consecutive nights with points. Combined with automatic Silver Elite status and boosted earning on gas, dining, and monthly bills, the card delivers meaningful value at zero ongoing cost.
Frequent travelers may eventually outgrow its feature set. It does not include an annual free night certificate or complimentary higher-tier elite status. If you visit IHG properties multiple times a year, paying a modest fee for a higher-tier card often yields significantly richer perks, but for casual guests, this card provides clear benefits without any financial commitment.
This card is ideal for occasional IHG guests who want discount redemptions and elite perks without an annual fee, though frequent guests will earn far more value from a card with an annual free night award.
Welcome Offer
90,000 Points
Spend $2,000 in first 3 months
+35,000 Points
Spend $4,000 in first 6 months
Spend $4,000 total → 125,000 Points
Offer details
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
Earning
You earn IHG One Rewards points on every dollar spent, featuring high returns at IHG hotels alongside steady rewards on everyday categories like dining and gas.
Hotel Stays (IHG Hotels & Resorts)
Monthly Bills, Gas Stations, Restaurants
All Other Purchases
Rewards percent based on a valuation of 0.59¢ per IHG point
Annual Credits & Perks
Despite having no annual fee, the card includes several practical travel safeguards and a valuable redemption feature that saves points on longer hotel stays.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Earn 10,000 bonus points after you spend $10,000Benefits
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.
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.
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.
Benefits
Earn Gold Elite Status
You will earn IHG One Rewards Gold Elite status after you spend $20,000 on purchases and make one additional purchase each calendar year. For complete program details and additional ways to qualify for IHG One Rewards status level tiers, visit ihg.com/chase.
Automatic Silver Elite status
Automatic IHG One Rewards Silver Elite status.
Complimentary DashPass membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Benefits
Redeem 3 Nights, Get 4th Night Free
The fourth reward night is free when you redeem points for any stay of four or more nights. .
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
19.24% - 27.74%
Variable
Transfer APR
19.24% - 27.74%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$10
Late Payment
None
Questions
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
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
Earn 100,000 bonus points
Worth $1,500
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
