IHG One Rewards Traveler Credit Card
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 0.60¢ Estimate |
Last updated Aug 30, 2026
Checked Aug 30, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 120,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Jan 2022 to Mar 2022 | 80,000 points | $2,000 |
| Mar 2022 to Jul 2022 | 120,000 points Best | $2,000 |
| Jul 2022 to Mar 2023 | 80,000 points | $2,000 |
| Mar 2023 to Nov 2023 | 120,000 points Best | $2,000 |
| Nov 2023 to Jul 2024 | 80,000 points | $2,000 |
| Jul 2024 to Jan 2025 | 100,000 points | $2,000 |
| Jan 2025 to Feb 2026 | 80,000 points | $2,000 |
| Feb 2026 to Mar 2026 | 120,000 points Best | $2,000 |
| Mar 2026 to now | 80,000 points | $2,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 5x | points | No cap |
| Other | 3x | points | No cap |
| Streaming | 3x | points | No cap |
| Gas and EV charging | 3x | points | No cap |
| Restaurants | 3x | points | No cap |
| Everything else | 2x | points | No cap |
Your elite status
Recurring credits
Estimated value| DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. | $40/yr (Quarterly) |
| Receive a monthly $10 Instacart credit, up to $120 annually, with an active Instacart+ membership. | $10/yr (Monthly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsEach calendar year you make purchases totaling $20,000 or more, you as the primary cardmember qualify for Gold Elite Status through December 31 of the following year.
Automatic Silver Elite Status with IHG One Rewards as long as you remain an IHG One Rewards Traveler Cardmember.
Redeem points for a consecutive four-night IHG hotel stay and receive the fourth Reward Night free at the same hotel during that same stay.
One-year complimentary DashPass membership for both DoorDash and Caviar, providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if a trip is canceled or cut short by a covered situation.
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item.
Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Save at least 20% when you purchase IHG One Rewards points using this credit card.
Earn 10,000 bonus points each calendar year during which you spend at least $10,000 in purchases.
Earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Earn 10,000 bonus points for each friend that gets approved for a participating IHG One Rewards Credit Card, up to 50,000 bonus points per year.
Complimentary 3-month Instacart+ membership; benefits end 12/31/27.
As an IHG One Rewards Cardmember, you are eligible for early access to Reward Night sales each year, offering discounted points needed for stays.
News on this card
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Article Aug 30, 2026Now on The Points Pro: 10 new cards
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