IHG One Rewards Traveler Credit Card review

This is a solid choice for those loyal to the IHG brand with bonus points earned on IHG stays, no annual fee, no foreign transaction fees, and a generous welcome bonus to get you started.

Written by
Jennifer Doss
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Hotel Card

IHG One Rewards Traveler Credit Card

  • Rewards
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.
  • Welcome Bonus
  • Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
  • Annual Fee
  • $0
Credit Score: Good/Excellent
on Chase's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

  • This is a solid choice for those loyal to the IHG brand with up to 17 points earned on IHG stays, plus three points earned per $1 spent on monthly bills and at gas stations and restaurants, and 2 points on all other purchases.
  • For a limited time, earn 100,000 bonus points after spending $2,000 on purchases within the first three months of account opening.
  • Redeem rewards for three nights and get your fourth night free.
  • If you aren't a fan of IHG hotels or are loyal to a different brand of properties, you may not find the rewards from this card to be very valuable.


Credit Score: credit_score_needed

card_name rewards

The InterContinental Hotel Group – better known as IHG – is a popular choice for travelers of all kinds. The company’s extensive portfolio includes family-friendly Holiday Inns, boutique Kimpton Hotels and Crowne Plaza properties that cater to business travelers.

With the no annual fee CardName it’s easy to earn points that can be redeemed for Rewards Nights at these and other IHG brand hotels and resorts. To get you started, there’s a limited time offer of 100,000 bonus points after spending $2,000 on purchases within the first three months of account opening. With as little as 10,000 points you can redeem your first Reward Night, meaning, this bonus alone has the potential to get you several nights in your favorite hotel. Points can also be used for gift cards, airline miles and more.

On an ongoing basis points are awarded based on the type of purchase:

  • Up to 17 points per $1 spent at IHG properties worldwide
  • 3 points per $1 spent at gas stations and restaurants as well as on monthly bills
  • 2 points per $1 for all other purchases

Plus, the card_name offers other valuable benefits. These include purchase protection that covers new purchases for 120 days against damage and theft, up to $500 per claim and $50,000 per account, and extended warranty protection that adds a year to U.S. manufacturer warranties of three years or less.

card_name travel benefits

While the benefits listed above make the CardName an attractive choice, it really shines when it comes to its travel benefits. Cardholders get both IHG-specific benefits and general travel perks.

First, let’s take a look at the benefits offered by the card:

  • Free fourth reward night: Your fourth night is free when you redeem points for a stay of three or more nights.
  • Gold Elite Status: You’ll earn Gold Elite Status after spending $20,000 on your card in a calendar year. Gold Elite benefits include bonus point earnings, extended checkout and complimentary internet among other perks.

The card_name also offers a long list of other travel benefits, including:

  • Trip cancellation/trip interruption insurance
  • Travel accident insurance
  • Travel and emergency assistance services
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Auto rental collision damage waiver

card_name foreign transaction fees

One great feature of this card is that it doesn’t charge foreign transaction fees. This has the potential to save hundreds of dollars each year, particularly for frequent business travelers or jetsetting families.

Many other cards charge a 3% fee on purchases made in a foreign currency, and these fees typically aren’t capped. That means charging $100 to your card overseas would result in a $3 fee, spending $1,000 would incur a $30 fee and $10,000 in foreign transactions would tack on an additional $300 in fees.

However, with the CardName, you can spend in other countries without worrying about a surprise bill when you get home. Even more impressive is that the Rewards Traveler Card has no annual fee, something charged by many other cards offering no foreign transaction fees.

Potential downsides of the card_name

With no annual fee, no foreign transaction fees and a generous benefits package, the CardName is a solid option for frequent travelers; however, if you aren’t a fan of IHG hotels or are loyal to a different brand of properties, you may not find the rewards from this card to be very valuable.

If you want more flexibility with how you use your travel rewards, you might do better with a more general travel rewards credit card, such as the CardName, compared below.

How the card_name compares to other cards

card_name vs. card_name


If you regularly stay at IHG hotels, you’ll likely want one of these cards. Which one you choose depends on the level of benefits you want.

The card_name is an entry-level card that doesn’t charge an annual fee, but you’ll pay AnnualFees a year for the CardName. For that fee, you’ll get access to rewards that exceed what comes with the Traveler Card.

For instance, the welcome offer for the card_name is five free nights after spending $4,000 on purchases in the first three months from account opening.

The Premier Card earns up to 26 points per $1 spent at IHG properties and resorts, compared to the up to 17 points earned by the Traveler Card. It also earns 5x points on travel, gas station and restaurant purchases and three points on all other purchases. Perhaps best of all, though, the Premier card offers you a reward night when you redeem points for any consecutive four-night stay at an IHG hotel.

Other added benefits with the Premier Card include automatic Platinum Elite Status, an anniversary night, a $100 credit every four years for Global Entry, TSA PreCheck or Nexus application fee reimbursement, and more.

You won’t pay foreign transaction fees with either card, and their redemption options are the same. That means if you’re deciding between the two cards, the main consideration will be whether you think the added benefits of the card_name are worth the AnnualFees annual fee.

card_name vs. CardName


Both the card_name and the CardName cater to travelers. However, while the Rewards Traveler Card offers perks specifically for IHG properties, CardName provides more general travel benefits.

CardName cardholders earn 60,000 points when spending $4,000 within three months of opening their account. Those points are worth $750 when redeemed for travel. Points can also be transferred to a number of airline and hotel partners, including to IHG One Rewards.

On an ongoing basis, the CardName offers 5x on travel purchased through Chase Travel℠; 3x on dining, select streaming services and online groceries; 2x on all other travel purchases; 1x on all other purchases; a $50 Annual Chase Travel Hotel Credit; plus more. The card doesn’t charge foreign transaction fees and offers a number of purchase and travel protections. However, you will pay a AnnualFees annual fee to have the card.

Since the card_name doesn’t charge an annual fee, it may be a better choice for those who stay at IHG properties frequently. However, if you want rewards that can be used with a variety of travel providers, the CardName is a good option.

Is card_name a good card?

Yes, with no annual fee and no foreign transaction fees, it’s hard not to like the CardName if you’re loyal to the IHG brand. While it may not offer much benefit to someone who never stays at IHG properties, it really is a solid choice for someone who prefers IHG stays.

Frequently asked questions

The card_name does not charge an annual fee.
To qualify for an card_name you need a good to excellent credit score. This generally means a FICO score of at least 670, though a score above 700 could improve your chances of approval and may get you better terms. However, credit card issuers consider multiple factors in addition to your credit score, such as your income, debt-to-income ratio, and overall credit history.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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