IHG One Rewards Credit Card
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 0.60¢ Estimate |
Last updated Oct 10, 2026
Checked Oct 18, 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: 125,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Jan 2022 to Mar 2022 · 2 mo | 80,000 points | $2,000 |
| Mar 2022 to Jul 2022 · 3 mo | 120,000 points | $2,000 |
| Jul 2022 to Mar 2023 · 8 mo | 80,000 points | $2,000 |
| Mar 2023 to Nov 2023 · 9 mo | 120,000 points | $2,000 |
| Nov 2023 to Jul 2024 · 8 mo | 80,000 points | $2,000 |
| Jul 2024 to Jan 2025 · 6 mo | 100,000 points | $2,000 |
| Jan 2025 to Feb 2026 · 13 mo | 80,000 points | $2,000 |
| Feb 2026 to Mar 2026 · 1 mo | 120,000 points | $2,000 |
| Mar 2026 to Sep 2026 · 6 mo | 80,000 points | $2,000 |
| Sep 2026 to Sep 2026 · 3 days | 80,000 points plus 10,000 bonus points after adding an authorized user | $2,000 |
| Sep 2026 to Oct 2026 · 17 days | 80,000 points plus 10,000 bonus points after adding an authorized user to your account in the first 3 months from account opening | $2,000 |
| Oct 2026 to now · 9 days | 125,000 points plus 10,000 bonus points after adding an authorized user to your account in the first 3 months from account opening Best | $2,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Hotels | 5x | points | No cap |
| Groceries | 3x | IHG One Rewards 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 |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 17x | Earn up to 17X total points per $1 spent at IHG Hotels & Resorts: 5X points from this card, plus up to 10X points from IHG One Rewards membership on stays, plus up to 2X points from Silver Elite Status. |
Your elite status
Recurring credits
Estimated value| One-year complimentary DashPass by DoorDash ($120/year in value), providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Automatically enrolled at current monthly rate afterward. Activate by Dec 31, 2027. Also for each authorized user
|
$120/yr (Monthly) |
| DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. Shared across the account
|
$40/yr (Quarterly) |
| Receive a monthly $10 Instacart credit, up to $120 annually, with an active Instacart+ membership. Shared across the account
|
$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 $15,000 or more, you, as the primary cardmember, qualify for Gold Elite Status through December 31st of the following year.
Automatic Silver Elite Status with IHG One Rewards as long as you remain an IHG One Rewards Traveler Cardmember.
Get 5 Elite Night Credits (ENC) on account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier.
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.
Starting in 2027, spend $5,000 on purchases in a calendar year and unlock a 4th Reward Night free when you redeem points for a consecutive four-night stay. Benefit available for the remainder of the qualifying year and the subsequent calendar year.
Earn 10,000 bonus points after you spend $15,000 on purchases each calendar year.
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.
Authorized users on the IHG
Card factsAuthorized users are free.
Each authorized user gets
- Baggage delay insurance
- Complimentary DashPass membership
- Lost luggage reimbursement
- Purchase protection
- Trip cancellation and interruption insurance
Shared across the account
- DoorDash quarterly discount
- Instacart monthly credit
Primary cardmember only
- Automatic silver elite status
- Elite night credits
- Gold elite status after 20000 spend
News on this card
-
Article Aug 30, 2026Now on The Points Pro: 10 new cards
New cards just joined The Points Pro: see what they earn and credit back, then add yours to your wallet.
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