IHG® One Rewards Traveler Credit Card

Offer

Our Highest Points Offer of 2025! Earn 120,000 Bonus Points.
No Annual Fee.
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts.
Earn 3 points per $1 on monthly bills, gas stations, and restaurants; 2 points per $1 on all other purchases.
No Foreign Transaction Fees.
Redeem 3 Nights, Get the 4th Night Free.
IHG One Rewards points redeemable at InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.
Member FDIC

Fees & Conditions

Annual Fee $0

Foreign Transaction Fee 0.00%

Purchase Rates 19.99% - 28.49% (Variable)

Cash Advance Rates 29.24% (Variable)

Balance Transfer Rates 19.99% - 28.49% (Variable)

Advantages

Welcome Bonus amount 120,000 Points

Minimum Spending Required $2,000

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 2 Points

Groceries 2 Points

Gas 3 Points

Dining and Food delivery 3 Points

Convenience Stores 2 Points

Drugstores 2 Points

Local Transport 2 Points

Travel 2 Points

Entertainment 2 Points

Recurring Payments 3 Points

Telecom/Internet 2 Points

Streaming services 2 Points

Online transactions 2 Points

Office Supplies 2 Points

Our review

Maximize Your Stays with the IHG One Rewards Traveler Credit Card

120,000 bonus points after spending $2,000 within the first 3 months
Up to 17x points per $1 on IHG hotel stays
3x points on monthly bills, gas and restaurants
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on award stays of 4 or more consecutive nights

Whether you’re planning a weekend escape or a cross‑country journey, this card delivers plentiful points on every stay and everyday spend. Use your bonus points for multi‑night stays at top IHG brands—InterContinental, Crowne Plaza, Kimpton, Holiday Inn and more—while enjoying the freedom of zero fees. Manage your rewards seamlessly in the Chase app, and enjoy automatic IHG One Rewards enrollment, intuitive digital tools and 24/7 customer support.

Terms apply. Welcome bonus requires minimum spend. Points values and earning rates vary by hotel brand. See full terms for details.