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IHG One Rewards Traveler Credit Card card art
Chase · ihg

IHG One Rewards Traveler Credit Card

4.0 / 5
IHG One Rewards points · Personal card

A six-figure welcome bonus on a no-fee card. The fourth-night-free benefit alone makes it worth keeping in the drawer for IHG award bookings.

Compare featured offers Read issuer terms

At a glance

Issuer terms
Welcome bonus
125,000 points
Spend $4,000 in 6 months
Annual fee
$0
Purchase APR
See terms
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

A six-figure welcome bonus on a no-fee card. The fourth-night-free benefit alone makes it worth keeping in the drawer for IHG award bookings.

Verdict

Pros & cons

Pros

  • No annual fee with a huge bonus
  • Fourth award night free
  • No foreign transaction fee

Cons

  • No anniversary free night
  • IHG points are low-value per point
Earnings

Earn rates

CategoryRateNotes
IHG stays5x pointsUp to 17x total with member base earning and Silver Elite.
Dining3x points
Gas stations3x points
Streaming3x pointsUtilities and select streaming.
All other purchases2x points
Benefits

Key benefits

Fourth award night free, no fee

The signature IHG card perk on a $0 card.

Fit

Who this is best for

  • Occasional IHG guests
  • No-fee hotel card seekers
FAQ

Frequently asked questions

What is the IHG Traveler welcome bonus?
Earn 90,000 bonus points after spending $2,000 in the first 3 months, plus 35,000 more after spending $4,000 total in the first 6 months.
Does the IHG Traveler charge an annual fee?
No. The IHG Traveler has a $0 annual fee.
Does the IHG Traveler have a foreign transaction fee?
No. The IHG Traveler charges no foreign transaction fee, so it works well for international purchases.
What APR does the IHG Traveler charge?
The purchase APR is See terms variable.
Who is the IHG Traveler best for?
Occasional IHG guests. No-fee hotel card seekers.
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IHG One Rewards Traveler Credit Card

Spend $4,000 in 6 months
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Rates accurate as of June 10, 2026. Issuer terms.