4.4 / 5
- Welcome
- 180,000 points
- Annual fee
- $150
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Chase · ihg
IHG One Rewards 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 now takes $5,000 in yearly spending to unlock, so this works best as a low-cost way into IHG points.
At a glance
- Welcome bonus
- 125,000 points
- Spend $2,000 in 3 months
- Annual fee
- $0
- Purchase APR
- 19.49% to 27.99%
- No intro APR
- FX fee
- None
Editorial
Our take
A six-figure welcome bonus on a no-fee card. The fourth-night-free benefit now takes $5,000 in yearly spending to unlock, so this works best as a low-cost way into IHG points.
Verdict
Pros & cons
Pros
- No annual fee with a six-figure bonus
- 3x on dining, groceries and gas
- No foreign transaction fee
Cons
- Fourth award night free now requires $5,000 in yearly spending
- No anniversary free night
- IHG points are low-value per point
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| IHG stays | 5x points | Up to 17x total with member base earning and Silver Elite. |
| Dining | 3x points | |
| Gas stations | 3x points | |
| Groceries | 3x points | |
| Streaming | 3x points | Utilities, internet, cable, phone and select streaming through December 31, 2026, then 2x. |
| All other purchases | 2x points |
Benefits
Key benefits
Fourth award night free
Unlocked after $5,000 in purchases in a calendar year, on consecutive 4-night award stays.
10,000-point spend bonus
After $15,000 in purchases each calendar year.
Fit
Who this is best for
- Occasional IHG guests
- No-fee hotel card seekers
FAQ
Frequently asked questions
What is the IHG One Rewards welcome bonus?
Earn 125,000 bonus points after spending $2,000 in the first 3 months, plus 10,000 more points for adding an authorized user in that window.
Does the IHG One Rewards charge an annual fee?
No. The IHG One Rewards has a $0 annual fee.
Does the IHG One Rewards have a foreign transaction fee?
No. The IHG One Rewards charges no foreign transaction fee, so it works well for international purchases.
What APR does the IHG One Rewards charge?
The purchase APR is 19.49% to 27.99% variable.
Who is the IHG One Rewards best for?
Occasional IHG guests. No-fee hotel card seekers.
Similar
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4.2 / 5
Chase
IHG Premier Select
- Welcome
- 200,000 points
- Annual fee
- $350
Hilton Honors American Express Card
American Express
4.0 / 5
- Welcome
- 70,000 points
- Annual fee
- $0
Apply
IHG One Rewards Credit Card
Spend $2,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.