IHG One Rewards Traveler
Annual fee
$0
Welcome bonus
Up to 125,000 IHG One Rewards points
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
Good to know before you apply
- The 90,000-point welcome bonus after $2,000 in 3 months is the headline, but the full offer stacks to 125,000 points when both tiers are completed - read the bonus structure carefully before you apply so you know exactly what you're chasing and don't leave points on the table by stopping at the first threshold.
- The 4th Night Free on award stays is one of the quietly powerful benefits on any no-annual-fee card in this category - book a consecutive four-night stay with points and the fourth night is free, which is effectively a 25% discount on every qualifying redemption if you travel in longer blocks, and there's no annual cap on how many times you can use it.
- Automatic Silver Elite status sounds modest, and it is, but it's a real status tier with real perks delivered at no cost - the more interesting unlock is Gold Elite at $20,000 in annual spend, which is worth mapping against your natural spending before you assume it's decorative.
- The 10,000 bonus points after $10,000 in annual spend is a quiet milestone worth tracking - it's not a headline perk, but on a no-annual-fee card it's essentially free points for spending you were going to do anyway, and the math gets more interesting when the card costs you nothing to hold.
- The 3x earn rate covers dining, utilities, select streaming, and gas stations as a bundled category set - useful if those categories represent real volume in your monthly spend, less exciting if your life runs through groceries or travel purchases where this card defaults to 2x.
- NO anniversary free night - this is the no-annual-fee version of the IHG lineup, and the tradeoff for skipping the $99 fee is skipping the annual free night that anchors the Premier cards, so if a free night certificate is what you're actually after, the math on the Premier is worth running before you land here.
- IHG points don't expire as long as there's program activity within any 12-month window - that's a forgiving policy, but "activity" means IHG One Rewards activity specifically, not just swiping this card, so know what counts before you assume a purchase keeps the clock reset.
The IHG One Rewards Traveler is a surprisingly capable no-annual-fee hotel card: a tiered welcome bonus up to 125K points, automatic Silver Elite status, a 4th night free on points stays, and a Gold Elite upgrade at $20K annual spend. Best suited for casual IHG loyalists who want perks without paying the hotel-card tax.
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 125,000 IHG One Rewards points · $2,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
Up to 125,000 IHG One Rewards points · $2,000 spend in 3mo
Up to 125,000 IHG One Rewards pointstotal. Here's how it breaks down:
- 90,000 IHG One Rewards points after spending $2,000 in the first 3 months
- 35,000 IHG One Rewards points more after spending $4,000 total on purchases in the first 6 months
🤝 Refer a friend: Earn 10,000 IHG One Rewards points for each friend approved for any Chase card — up to 50,000 per year.
Earn rates
How many points per dollar across categories.
6 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
6 categories · top rate 5x
Card-level multipliers. Earn currency: IHG One Rewards.
| Category | Rate | Notes |
|---|---|---|
| Ihg | 5x | Card contributes 5x; combined total up to 17x (+10x IHG base + up to 2x Silver Elite bonus). |
| Dining | 3x | 3X total points on dining, utilities, select streaming services, and at gas stations. |
| Internet, phone & TV | 3x | 3X on utilities (bundled with dining, streaming, and gas at same rate). |
| Streaming | 3x | 3X on select streaming services (bundled with dining, utilities, and gas). |
| Gas | 3x | 3X at gas stations (bundled with dining, utilities, and streaming). |
| All other purchases | 2x |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
2 programs
Chase Experiences
Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
IHG One Rewards Experiences
IHG's auction and fixed-price experiences platform. Open to all IHG One Rewards members.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Free nights
Annual free night certificates and similar.
1 benefit
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Free nights
Annual free night certificates and similar.
1 benefit
4th Night Free on IHG Reward Night Stays
Redeem points for a consecutive 4-night IHG hotel stay and receive the 4th Reward Night free at that same hotel. Usable on unlimited stays annually.
Status
Hotel / airline / partner status this card grants.
1 benefit
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Status
Hotel / airline / partner status this card grants.
1 benefit
Automatic IHG One Rewards Silver Elite Status
Automatic Silver Elite Status conferred as long as you remain an IHG One Rewards Traveler cardmember. Allow 6-8 weeks after account opening.
Status accelerators
Perks that unlock at spending milestones.
2 benefits
See the details →
Status accelerators
Perks that unlock at spending milestones.
2 benefits
10,000 Annual Bonus Points after $10,000 Spend
Earn 10,000 bonus points after spending $10,000 in a calendar year. Allow 6-8 weeks for points to post.
Unlocks at $10,000 spend
IHG Gold Elite Status after $20,000 Annual Spend
Qualify for Gold Elite Status through December 31st of the following year after spending $20,000 or more in a calendar year.
Unlocks at $20,000 spend
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
Baggage Delay Insurance
Reimburses up to $100/day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Lost Luggage Reimbursement
Reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged, or stolen. NY residents limited to $2,000 per bag and $10,000 for all covered travelers per trip.
Trip Cancellation and Interruption Insurance
Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short by covered situations.
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
Purchase Protection
Covers eligible new purchases for 120 days from purchase date against damage or theft, up to $500 per item. NY residents: 90 days from date of purchase.
Other
Other perks on this card.
5 benefits
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Other
Other perks on this card.
5 benefits
Save 20% on IHG Points Purchases
Save at least 20% when purchasing IHG One Rewards points using your IHG One Rewards Traveler credit card.
Early Access to IHG Reward Night Sales
As an IHG One Rewards cardmember, you are eligible for early access to Reward Night sales each year.
Chase Pay Over Time
Break up eligible purchases of $100 or more into equal monthly payments with a fixed monthly fee (up to 1.72% of plan amount). No interest. Plan durations 3-24 months.
Referral Bonus — Up to 50,000 Points per Year
Earn 10,000 bonus points for each friend approved for a participating IHG One Rewards Credit Card, up to 50,000 bonus points per year.
IHG One Rewards Points Do Not Expire with Activity
Points transferred to your IHG One Rewards account will not expire as long as there is IHG One Rewards program activity within any 12 consecutive months.