IHG One Rewards Traveler Credit Card Credit Card

IHG One Rewards Traveler Credit Card

Last Updated: 04/06/2026

Rating
3.5 / 5
Sign Up Bonus
80,000 Points
Annual Fee
$0
Credit Score
Good

Summary

04/05/2026: The welcome offer has been lowered to 80K Points

Sign-Up Bonus
4
Spending Multipliers
2
Credits & Features
1.5
Fees
5
Application
3.5
Issuer
NaN

The Chase IHG One Rewards Traveler Card is a no-annual-fee hotel rewards card designed for casual to frequent IHG guests who want to earn points, enjoy elite status, and access essential travel protections without extra costs. Ideal for travelers who stay at IHG properties regularly but prefer a budget-friendly option, the card offers up to 17x points on IHG purchases, 10,000 points after $10,000 in annual spend, and Silver Elite status with the opportunity to reach Gold status after $20,000 in spend. Cardholders also benefit from redeeming three nights and getting the fourth free, 20% off reward points purchases, and robust protections such as purchase protection up to $500 per claim, baggage delay insurance, lost luggage reimbursement up to $3,000 per passenger, and trip cancellation/interruption insurance up to $5,000 per person and $10,000 per trip. With no annual fee and no foreign transaction fees, the IHG One Rewards Traveler card is best suited for cost-conscious travelers seeking IHG-specific rewards, elite perks, and essential travel protections.

Pros

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No annual fee
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No foreign transaction fee
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Up to 17x back on IHG purchase
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Purchase protection up to $500 per claim and $50,000 per account

Cons

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Points are worth about 0.5 cents per point

Issuer

Spending Multipliers

Credits & Features

10,000 points after $10,000 in annual spend
Silver Elite status with Gold after $20,000 in spend
Redeem 3 nights and get the 4th free
20% off reward points purchase
Baggage delay insurance
Lost luggage reimbursement up to $3,000 per passenger
Trip cancellation/interruption insurance up to $5,000 per person and $10,000 per trip

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have any IHG Rewards card and did not open an IHG Rewards card in the last 24 months
  • Consider having at least a credit history for 1 year
  • Avoid applying for more than 2 Chase cards in 30 days

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.24% - 27.74% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.24% - 27.74% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process