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  1. Credit Cards
  2. IHG One Rewards Traveler Credit Card
Chase

IHG One Rewards Traveler Credit Card

The IHG One Rewards Traveler Credit Card is built for occasional to fairly regular IHG guests who want to earn IHG points without taking on an annual fee. It works best as a hotel-loyalty card for IHG stays, with a few everyday bonus categories that make it easier to keep earning between trips.

Welcome Offer
Earn up to 125,000 Points
Annual Fee
$0
Rec. Credit Score
Good
Good For
No-fee IHG travelers
Learn MoreEstimate your value
IHG One Rewards Traveler Credit Card

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

Is the IHG One Rewards Traveler Credit Card worth it?

This card is great for...

IHG hotel stays

Four-night award trips

Gas, dining, and bills spending

This card is worth a look if you stay with IHG often enough to use IHG points well and want a simple, no-annual-fee way to build that balance. The biggest draws are the elevated earning on IHG stays and the fourth-night-free benefit on award bookings, which can make a real difference for longer trips. The welcome bonus is also solid for a $0 annual fee card, especially if you already have an IHG redemption in mind.

Where this card becomes less compelling is outside the IHG ecosystem. The everyday bonus categories are useful, but the points themselves are still IHG points, so the value is strongest for travelers who are actually redeeming within the program. If you want flexible travel rewards or stronger everyday return across all spending, a general travel card or cash-back card will usually be a better primary choice. For IHG loyalists, though, this is an easy card to keep.

MaxRewards

MaxRewards Verdict

A strong fit for travelers who stay with IHG and want a no-fee card that adds value on both paid stays and award bookings. If IHG is not a regular part of your travel, the rewards are too narrow to make this card a standout everyday option.

Welcome Offer

Earn up to 125,000 Points

  1. 1

    90,000 Points

    Spend $2,000 in first 3 months

  2. 2

    +35,000 Points

    Spend $4,000 in first 6 months

  3. 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

Rewards

This card earns IHG points, so the rewards story makes the most sense if you redeem for IHG hotel stays. The strongest return is at IHG properties, while gas, restaurants, and monthly bills give you a decent way to keep earning on everyday spending.

CategoryRate

Hotel Stays (IHG Hotels & Resorts)

8.5%

Monthly Bills, Gas Stations, Restaurants

1.5%

All Other Purchases

1%

Rewards percent based on a valuation of 0.5¢ per IHG point

Annual Credits & Perks

Benefits

Because there is no annual fee, the value here comes more from travel-friendly features than from a long list of credits. The most meaningful ongoing perk for many cardholders will be the fourth reward night free, plus a few smaller extras tied to spending and DoorDash.

BenefitAnnual value
$10,000
$40

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
IHG One Rewards Traveler Credit CardDoorDash non-restaurant promo
Autotracked
$0 of $10Every 3 months

Benefits

Insurance

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.


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.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.

Benefits

Status & Access

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

Other

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

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

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

Rates & Fees

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

For rates and fees of IHG One Rewards Traveler Credit Card, please visit the Chase website.

Questions

Frequently Asked Questions

Earn up to 125,000 Points after $4,000 in total qualifying spend.

We value the full offer at about $625, based on MaxRewards' IHG valuations.

Earning the full offer takes $4,000 in total spend across its tiers; the most demanding tier works out to about $700 per month on average.

Table of Contents

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

Learn More

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.

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