IHG One Rewards Traveler Credit Card
Chase · VISA
The IHG One Rewards Traveler 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, 2x on everything else. The welcome offer is Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Key facts
- Annual fee
- $0
- Purchase APR
- 19.24% - 27.74% variable APR
- Network
- VISA
- Welcome offer
- Earn 80,000 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 |
| Everything else | 2x | 2x on all other purchases |
Benefits and perks
- Earn IHG One Rewards points on every purchase. Up to 17X points total per $1 spent when you stay at IHG Hotels and Resorts.
- Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
- NEW CARDMEMBER OFFER Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's up to 2 Nights at 4,700+ out of all IHG Hotels & Resorts' properties globally. * 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 a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does no
- 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, a benefit of this card. * Opens offer details overlay
- EARN REWARDS 3X points on eligible purchases Earn 3X total points on dining, utilities, select streaming services, and at gas stations. * Opens offer details overlay Earn 2X points per $1 spent on all other purchases. * Opens offer details overlay
- ELITE STATUS Automatic Silver Elite Status as long as you remain an IHG One Rewards Traveler Cardmember. * Opens offer details overlay
- EARN REWARDS Earn 10,000 bonus points Earn 10,000 bonus points after you spend $10,000 each calendar year. * Opens offer details overlay
- FREE NIGHTS Redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay. * Opens offer details overlay
Rates and fees
Annual membership fee: $0. Purchase APR: 19.24% - 27.74% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the IHG One Rewards Traveler Credit Card
What is the annual fee on the IHG One Rewards Traveler Credit Card?
The IHG One Rewards Traveler Credit Card has an annual fee of $0.
What rewards does the IHG One Rewards Traveler Credit Card earn?
The IHG One Rewards Traveler Credit Card earns 3x on dining & restaurants, 2x on everything else.
Is the IHG One Rewards Traveler Credit Card worth it?
The IHG One Rewards Traveler 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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