Chase IHG One Rewards Credit Card
Chase · VISA
The IHG One Rewards Credit Card is a credit card from Chase on the Visa network. It has an annual fee of $0. It earns 3x on dining & restaurants, 3x on groceries, 2x on everything else. The welcome offer is Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Key facts
- Annual fee
- $0
- Purchase APR
- 19.49% - 27.99% variable APR
- Network
- VISA
- Welcome offer
- Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 3x | 3x on dining and gas stations |
| Groceries | 3x | 3x on grocery stores |
| Everything else | 2x | 2x on all other purchases |
Benefits and perks
- Earn IHG One Rewards points on every purchase. Up to 17X total points per $1 spent when you stay at IHG Hotels and Resorts.
- Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
- NEW CARDMEMBER OFFER Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. * Opens offer details overlay Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening. * Opens offer details overlay This product is available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.
- PARTNERSHIP BENEFIT Up to 17X total points at IHG Hotels and Resorts That's 5X points with this card. * Opens offer details overlay Plus, up to 10X points from IHG on stays for being an IHG One Rewards member. * Opens offer details overlay Plus, up to 2X points from IHG on stays with Silver Elite Status, * Opens offer details overlay a benefit of this card. * Opens offer details overlay
- EARN REWARDS 3X points on eligible purchases Earn 3X points on dining and gas stations. * Opens offer details overlay NEW! Earn 3X points at grocery stores. * Opens offer details overlay Earn 2X points per $1 spent on all other purchases. * Opens offer details overlay
- ELITE STATUS Automatic Silver Elite Status Automatic Silver Elite Status as long as you remain an IHG One Rewards Credit Card cardmember. * Opens offer details overlay NEW! Get 5 Elite Night Credits (ENC) on your account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier. * Opens offer details overlay
- BONUS POINTS Earn 10,000 bonus points Earn 10,000 bonus points after you spend $15,000 on purchases each calendar year. * Opens offer details overlay
- FREE NIGHTS Earn 4th Reward Night Free Benefit Starting in 2027, spend $5,000 on purchases in a calendar year and unlock a 4th Reward Night free when you redeem points for a consecutive four-night stay. * Opens offer details overlay This benefit will be available for the remainder of the year you qualify and the subsequent calendar year.
Rates and fees
Annual membership fee: $0. Purchase APR: 19.49% - 27.99% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 1 Nov 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Chase IHG One Rewards Credit Card
What is the annual fee on the Chase IHG One Rewards Credit Card?
The Chase IHG One Rewards Credit Card has an annual fee of $0.
What rewards does the Chase IHG One Rewards Credit Card earn?
The Chase IHG One Rewards Credit Card earns 3x on dining & restaurants, 3x on groceries, 2x on everything else.
Is the Chase IHG One Rewards Credit Card worth it?
The Chase IHG One Rewards Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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