IHG One Rewards Credit Card
on Chase's website
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Pros & Cons
Pros
- Welcome Bonus: 125,000 points
- Up to 3x on groceries
- No foreign transaction fees
Cons
- No purchase protection
Our Review
Maximize Your Stays with the IHG One Rewards Credit Card
- 125,000 bonus points (launch offer) after spending $2,000 within the first 3 months, plus 10,000 points when you add an authorized user 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.
Rewards
All Spending
2x
IHG Rewards pts per dollar
Groceries
3x
IHG Rewards pts per dollar
Gas
3x
IHG Rewards pts per dollar
Restaurants
3x
IHG Rewards pts per dollar
Recurring
3x
IHG Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
77,400
IHG Rewards/yr
Estimated Value
$774
After Fees
+$774
1st Year Value
$2,024
incl. welcome bonus
Breakdown
Additional Benefits
- Automatic IHG One Rewards Silver Elite status for as long as you remain a cardmember, plus 5 Elite Night Credits at account opening and each calendar year.
- IHG One Rewards Gold Elite status and 10,000 bonus points for each calendar year you make $15,000 or more in purchases, through December 31 of the following year.
- Starting in 2027, fourth reward night free on four-night award stays once you spend $5,000 in a calendar year.
- Up to $120 a year in Instacart credits, $10 monthly, plus a complimentary three-month Instacart+ membership.
- One-year complimentary DashPass membership for DoorDash and Caviar.
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Launch offer: Earn 125,000 Bonus Points after spending $2,000 in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user in the first 3 months (awarded once, for the first authorized user added).
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
- Member FDIC
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.
