IHG One Rewards Credit Card
Annual fee
$0
Welcome bonus
125,000 IHG One Rewards points+ Plus 10,000 points after adding an authorized user in the first 3 months
Foreign txn fee
0%
Referral or affiliate link. If you apply through it, we may earn a commission at no extra cost to you. Details.
Good to know before you apply
- The welcome offer is 125,000 bonus points after you spend $2,000 on purchases in the first 3 months, plus 10,000 points after you add an authorized user in that window. It is a single tier, so there is no second spending step to chase. These are launch offers: apply by November 18, 2026.
- The 4th Night Free works on standard room Reward Night stays of four or more consecutive nights at the same hotel, and once you qualify there is no annual cap on how many stays use it. Through December 31, 2026 it is automatic with the card. From January 1, 2027 you need to spend $5,000 on the card in a calendar year to unlock it for the rest of that year and the following year, so check your spend before you plan a long award stay.
- Automatic Silver Elite status sounds modest, and it is, but it is a real status tier delivered at no cost, and you also get 5 Elite Night Credits at account opening and each calendar year. The more interesting unlock is Gold Elite status plus 10,000 bonus points when you spend $15,000 in a calendar year, which is worth mapping against your natural spending before you assume it is decorative.
- The card earns 5X points at IHG hotels, which reaches up to 17X in total once you add the 10X member earn and up to 2X from Silver Elite. Away from IHG you get 3X on dining, gas stations and grocery stores, and 2X on everything else. Utilities, internet, cable, phone and select streaming earn 3X only on purchases that post through December 31, 2026, then 2X.
- NO anniversary free night, and no Global Entry or TSA PreCheck credit. This is the no annual fee version of the IHG lineup, so if a yearly free night is what you are after, the Premier at a $150 annual fee is the card to price out before you land here.
- Like the other IHG cards it has no foreign transaction fees and saves at least 30% when you buy IHG points with the card (purchased points do not count toward elite status). It also includes a year of complimentary DashPass (activate by December 31, 2027) and a $10 Instacart credit each month, up to $120 a year, plus a 3 month Instacart+ membership that renews automatically at $99 a year. The Instacart benefits end December 31, 2027. Activate DashPass on or after September 1, 2026 and you also get up to $10 off a month on groceries, everyday essentials and more on DoorDash through December 31, 2027 while you stay enrolled.
- IHG points do not expire as long as there is program activity within any 12 month window. "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 Credit Card, which Chase used to call the Traveler, is the no annual fee card in the IHG lineup. The launch offer is 125,000 bonus points after you spend $2,000 in the first 3 months. Apply by November 18, 2026. You also get automatic Silver Elite status, 5 Elite Night Credits each calendar year, and a 4th night free on points stays that is automatic through 2026 and needs $5,000 of card spend a year from 2027. Spend $15,000 in a calendar year and you earn Gold Elite status plus 10,000 bonus points. Best suited for casual IHG loyalists who want perks without paying a hotel card fee.
Welcome bonus
What you get for signing up and hitting the minimum spend.
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.
125,000 IHG One Rewards points · $2,000 spend in 3mo
Plus Plus 10,000 points after adding an authorized user in the first 3 months.
125,000 IHG One Rewards points after spending $2,000 in the first 3 months.
Plus 10,000 points after adding an authorized user in the first 3 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.
7 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
7 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 points on dining. |
| Internet, phone & TV | 3x | 3X on utilities, internet, cable and phone for purchases that post through Dec 31, 2026. 2X after that. |
| Gas | 3x | 3X at gas stations. |
| Streaming | 3x | 3X on select streaming services for purchases that post through Dec 31, 2026. 2X after that. |
| Groceries | 3x | 3X at grocery stores. |
| All other purchases | 2x |
Transfer partners
Where you can move your IHG One Rewards to airline + hotel programs.
36 partners
Meet the partners →
Transfer partners
Where you can move your IHG One Rewards to airline + hotel programs.
36 partners
Points earned with this card transfer to 36 partner programs via IHG One Rewards.
| To | Ratio | Notes |
|---|---|---|
| American AAdvantage | 5:1 | Convert IHG points to American Airlines AAdvantage by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Aeromexico Rewards | 5:1 | Convert IHG points to Aeromexico Rewards by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air Canada Aeroplan | 5:1 | Convert IHG points to Air Canada Aeroplan by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air China PhoenixMiles | 5:1 | Convert IHG points to Air China PhoenixMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Air India Maharaja Club | 5:1 | Convert IHG points to Air India Maharaja Club by calling IHG One Rewards. Phone only. Rate is 1,000 IHG points for 200 Maharaja Points, the same 5 to 1 value, and can take up to six weeks. Maharaja Points do not convert back to IHG. |
| Air New Zealand Koru | 400:1 | Convert IHG points to Air New Zealand Airpoints by calling IHG One Rewards. Phone only. Rate is 10,000 IHG points for just 25 Airpoints, an unusually poor 400 to 1, making this the weakest IHG airline conversion. Can take up to six weeks. |
| ANA Mileage Club | 5:1 | Convert IHG points to ANA Mileage Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Atmos Rewards | 5:1 | Convert IHG points to Atmos Rewards (the combined Alaska Airlines and Hawaiian Airlines currency, which IHG lists as Alaska Airlines) by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Avianca LifeMiles | 5:1 | Convert IHG points to Avianca LifeMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| British Airways | 5:1 | Convert IHG points to British Airways Executive Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Cathay Pacific Asia Miles | 5:1 | Convert IHG points to Cathay Pacific Asia Miles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| China Southern Sky Pearl Club | 5:1 | Convert IHG points to China Southern Sky Pearl Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Delta SkyMiles | 5:1 | Convert IHG points to Delta SkyMiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Emirates Skywards | 5:1 | Convert IHG points to Emirates Skywards by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Etihad Guest | 5:1 | Convert IHG points to Etihad Guest by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| EVA Air Infinity MileageLands | 5:1 | Convert IHG points to EVA Air Infinity MileageLands by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Finnair Plus | 5:1 | Convert IHG points to Finnair Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Flying Blue | 5:1 | Convert IHG points to Air France KLM Flying Blue by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Gulf Air | 5:1 | Convert IHG points to Gulf Air Falconflyer by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Hainan Airlines | 5:1 | Convert IHG points to Hainan Airlines Fortune Wings Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Club Iberia Plus | 5:1 | Convert IHG points to Iberia Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Japan Airlines Mileage Bank | 5:1 | Convert IHG points to Japan Airlines JAL Mileage Bank by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| JetBlue TrueBlue | 5:1 | Convert IHG points to JetBlue TrueBlue by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Korean Air SKYPASS | 5:1 | Convert IHG points to Korean Air SKYPASS by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Singapore KrisFlyer | 5:1 | Convert IHG points to Singapore Airlines KrisFlyer by calling IHG One Rewards. Airline transfers are phone only, never online. IHG's page states 10,000 IHG One Rewards points for 2,000 KrisFlyer miles. Miles can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Malaysia Airlines Enrich | 5:1 | Convert IHG points to Malaysia Airlines Enrich by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Qantas Frequent Flyer | 5:1 | Convert IHG points to Qantas Frequent Flyer by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Qatar Privilege Club | 5:1 | Convert IHG points to Qatar Airways Privilege Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Saudia Alfursan | 5:1 | Convert IHG points to Saudia Alfursan by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| South African Airways Voyager | 5:1 | Convert IHG points to South African Airways Voyager by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| TAP Miles&Go | 5:1 | Convert IHG points to TAP Air Portugal Miles and Go by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Thai Royal Orchid Plus | 5:1 | Convert IHG points to Thai Airways Royal Orchid Plus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Turkish Miles&Smiles | 5:1 | Convert IHG points to Turkish Airlines Miles and Smiles by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| United MileagePlus | 5:1 | Convert IHG points to United MileagePlus by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Virgin Atlantic Flying Club | 5:1 | Convert IHG points to Virgin Atlantic Flying Club by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Velocity Frequent Flyer | 5:1 | Convert IHG points to Virgin Australia Velocity by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
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
See the details →
Free nights
Annual free night certificates and similar.
1 benefit
4th Night Free on IHG Reward Night Stays
Redeem points for a standard room Reward Night stay of 4 or more consecutive nights at the same hotel and the 4th night is free, with no cap on how many stays use it. Automatic through December 31, 2026. From January 1, 2027 you need to spend $5,000 on the card in a calendar year to qualify for the rest of that year and the following year.
Status
Hotel / airline / partner status this card grants.
2 benefits
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Status
Hotel / airline / partner status this card grants.
2 benefits
Automatic IHG One Rewards Silver Elite Status
Automatic Silver Elite status with the card.
Elite Night Credits
Get 5 Elite Night Credits when you open your account and at the start of each calendar year.
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 Bonus Points after $15K Spend
Earn 10,000 bonus points when you spend $15,000 on purchases in a calendar year.
Unlocks at $15,000 spend
IHG Gold Elite Status after $15,000 Annual Spend
Spend $15,000 or more on purchases in a calendar year and you earn Gold Elite status along with 10,000 bonus points.
Unlocks at $15,000 spend
Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
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Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
Complimentary DashPass + DoorDash Savings
One year of complimentary DashPass, with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027. Activate on or after Sep 1, 2026 and you also get up to $10 off a month on groceries, everyday essentials and more on DoorDash through Dec 31, 2027 while you stay enrolled.
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.
6 benefits
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Other
Other perks on this card.
6 benefits
Save at Least 30% on IHG Points Purchases
Save at least 30% when you buy IHG One Rewards points with your IHG One Rewards Credit Card. Purchased points do not count toward elite status.
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.
No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the United States.
Instacart Credit + Instacart+
A $10 Instacart credit each month, up to $120 a year, plus a 3 month Instacart+ membership that renews automatically at $99 a year. Benefits end Dec 31, 2027.