IHG One Rewards Traveler Credit Card
No annual fee · $160/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Gas | 3x | uncapped |
| Utilities | 3x | uncapped |
| Streaming | 3x | uncapped |
| Everything else | 2x | uncapped |
| Hotels at IHG only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best dining cards · best gas cards · best streaming cards.
Signup bonus: 80,000 points after $2,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $160/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| DoorDash non-restaurant order discount | $40/year | quarterly · enrollment required |
| Instacart credit | $120/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Automatic IHG One Rewards Silver Elite status while cardmember
- Redeem 3 reward nights, get the 4th reward night free on IHG award stays (unlimited uses annually)
- IHG One Rewards Gold Elite Status after $20,000+ in calendar-year purchases, through Dec 31 of the following year
- 10,000 bonus points after $10,000 in calendar-year purchases
- Baggage delay insurance: up to $100/day for 3 days
- Lost luggage reimbursement up to $3,000 per covered traveler
- Purchase protection: 120 days from purchase, up to $500 per item
- Trip cancellation and interruption insurance: up to $5,000 per covered traveler, $10,000 per trip
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn IHG points →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com · www.nerdwallet.com. Spot an error? Tell us.