The IHG One Rewards Traveler Credit Card, issued by Chase, is a great choice for travelers who want to enjoy hotel perks and rewards across the IHG Hotels & Resorts network—without paying an annual fee. With this card, you earn points in multiple spending categories and receive elite status in the IHG One Rewards loyalty program.
With access to over 6,000 partner hotels worldwide, including Holiday Inn, InterContinental, Staybridge Suites, and Crowne Plaz, this card turns your everyday spending into rewards for your next getaway. Sound like a fit for your lifestyle? Read on to see what this card offers and whether it’s worth applying.
What Are the Main Benefits?
The IHG One Rewards Traveler stands out for its wide range of travel benefits, designed to reward frequent travelers and points-savvy users. All of this comes with no annual fee, making it even more appealing. Highlights include:
- Welcome bonus of 80,000 points after spending $2,000 in the first 3 months
- 5 points per dollar at participating IHG hotels
- 3 points per dollar on dining, gas stations, and select streaming services
- 2 points per dollar on all other purchases
Cardholders also enjoy automatic Silver Elite status, which comes with perks like extended checkout and bonus points on stays.
Travel Perks
The IHG Traveler card delivers great value for frequent travelers, offering:
- Access to exclusive offers and promotions on hotel stays
- A free fourth night when booking with points (for every four consecutive nights)
- No foreign transaction fees
- Eligibility for Gold Elite status after spending $20,000 in a calendar year
- Integrated IHG mobile app for reservations, point tracking, and offers
Even with no annual fee, this card competes with many premium travel cards in terms of rewards and hotel benefits.
Rates and Terms
Before applying for the IHG One Rewards Traveler, it’s important to review the key terms. Although there’s no annual fee, some charges may apply depending on how you use the card.
For example, the variable APR ranges between 21.49% and 28.49%, depending on your credit profile. There are no foreign transaction fees, but some travel protections may come with separate costs.
On the upside, points never expire, and there are no fees to transfer or redeem points, though it’s a good idea to double-check for updates before submitting your application.
Who Should Consider This Card?
The IHG One Rewards Traveler Credit Card is perfect for frequent travelers who stay at IHG properties and want to earn rewards without paying an annual fee. It’s also ideal for those just starting out with travel rewards cards.
If you value hotel perks and loyalty status over cashback, this card could be a great match. While it doesn’t offer cash back options, the travel-related benefits can be more valuable depending on your priorities.
This card is especially appealing for those who travel often for business or leisure and want to maximize hotel rewards along the way.
How to Apply For This Card
If the IHG One Rewards Traveler sounds like the right card for you, here’s how to apply:
- Visit the official Chase or IHG One Rewards website
- Click on “Apply Now” under the Traveler card option
- Fill out the application with your personal and financial details
- Wait for a credit review (usually completed quickly)
- If approved, your card will arrive in the mail within a few business days
You can track your application status online, and once you receive the card, activate it through the Chase app or website.
Is the IHG One Rewards Traveler Credit Card Worth It?
The IHG One Rewards Traveler Credit Card is an excellent choice for anyone looking to earn points efficiently without the burden of an annual fee. With a generous rewards structure, welcome bonus, and strong hotel benefits, it offers much more than most no-fee cards.
If you frequently stay at IHG properties or want a smart way to save on future travel, this card could be the right fit—especially if you’re beginning to build your travel credit card lineup.
you’ll be redirected to the financial institution’s site
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
