IHG One Rewards Traveler: Hotel Rewards with No Annual Fee

For a limited time, earn up to 125,000 bonus points, including 90,000 points after spending $2,000 in the first three months and an additional 35,000 points after spending a total of $4,000 in the first six months. Earn up to 17X points on IHG stays, 3X on dining, utilities, streaming, and gas, and 2X on all other purchases, plus automatic Silver Elite status and no annual fee.

Olena
By Olena | May 23, 2026 at 5:21 PM EST

The Bottom Line

4.4
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
The IHG One Rewards Traveler Credit Card is a solid no-annual-fee hotel card for casual travelers who occasionally stay with IHG Hotels & Resorts. It earns up to 17X points on IHG stays, offers useful 3X bonus categories, and 2X on all other purchases, plus automatic Silver Elite status and the valuable fourth night free on reward bookings. That makes it an easy way to earn hotel rewards without paying an annual fee. The tradeoff is limited long-term value. There’s no anniversary free night, premium perks are minimal, and the included elite status is fairly basic. If you stay with IHG frequently, a higher-tier card will deliver significantly more value. This card is best for beginners or light travelers who want simple, no-cost hotel rewards, but frequent IHG guests should consider upgrading for stronger benefits and better overall returns.
IHG One Rewards Traveler
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IHG One Rewards Traveler
Annual fee:   $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17X total points at IHG® Hotels and Resorts: 5X points with this card, up to 10X points as an IHG One Rewards member, and up to 2X points with automatic Silver Elite status. Earn 3X points on dining, gas, utilities, internet, cable, phone services, and select streaming, plus, 2x points on all other purchases.

2x - 5x Points

Welcome Offer Limited-Time Offer: earn up to 125,000 bonus points – 90,000 points after spending $2,000 in the first 3 months, plus 35,000 points after spending a total of $4,000 in the first 6 months.

125,000 Points

Welcome Offer

  • Limited-Time Offer: Earn up to 125,000 bonus points
    • 90,000 points after spending $2,000 in the first 3 months
    • +35,000 points after spending a total of $4,000 in the first 6 months

Rewards

  • Up to 17X Points at IHG® Hotels and Resorts: Earn 5X points with the card, up to 10X points as an IHG One Rewards member, and up to 2X points with automatic Silver Elite status.
  • 3X Points Categories:
    • Dining
    • Gas Stations
    • Utilities
    • Internet, Cable, and Phone Services
    • Select Streaming Services
  • 2X Points on all other purchases.
  • 20% Discount on Points Purchases: Save 20% when purchasing IHG One Rewards points with your IHG One Rewards Traveler credit card.

Redemption Options

  • Redeem rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Points will not expire as long as there is IHG One Rewards program activity for 12 consecutive months.
  • Redeem 3 Nights, Get 4th Night Free: Redeem points for a consecutive four-night stay at the same IHG® hotel and get the 4th night free.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.24% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Annual Credits & Statement Credits

  • Annual Spending Bonus: Earn 10,000 bonus points after spending $10,000 in purchases each calendar year.

Hotel Elite Status

  • IHG One Rewards Silver Elite Status: Enjoy automatic Silver Elite status with benefits like late checkout (where available) and 20% more points on stays at participating IHG Hotels & Resorts. Status renews every account anniversary year.
  • Gold Elite Status: Earn Gold Elite status when you spend $20,000 in a calendar year, valid through December 31 of the following year.

Travel Protections

  • Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
  • Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $5,000] per person and $10,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

Shopping & Savings

  • Early Access to IHG Reward Night Sales: Get early access to IHG One Rewards Reward Night sales each year as a cardmember.

Buy Now, Pay Later Options

  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

  • Click Apply Now to see the terms and conditions.

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