IHG One Rewards Credit Card
No annual fee · $160/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Terms verified 2026-10-01 against issuer terms · welcome offer re-checked 2026-10-23
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x 1.5¢ per $1 |
uncapped |
| Gas | 3x 1.5¢ per $1 |
uncapped |
| Groceries | 3x 1.5¢ per $1 |
uncapped |
| Everything else | 2x 1.0¢ per $1 |
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 groceries cards.
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer IHG One Rewards Credit Card welcome bonus rose from 80,000 to 125,000. 2026-10-01
- Earn rate IHG One Rewards Credit Card now earns 3x at grocery stores. 2026-10-01
- Earn rate IHG One Rewards Credit Card: utilities, internet, cable and phone drop from 3x to 2x from 2027. 2026-10-01
- Earn rate IHG One Rewards Credit Card: select streaming drops from 3x to 2x from 2027. 2026-10-01
Signup bonus: 125,000 points after $2,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-10-23.
Statement credits — $160/yr on paper · how we got this
All two pay out in pieces through the year, and every one must be enrolled in first. A month you miss is gone, not banked.
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
- Gold Elite status and 10,000 bonus points after $15,000 in calendar-year purchases
- 5 Elite Night Credits at account opening and each calendar year
- 4th reward night free on 4+ night award stays: automatic through 2026; from 2027 only after $5,000 in calendar-year purchases (for the rest of that year and the next)
- 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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at IHG. Its largest printed rate, 5x on hotels, pays only at IHG. Anywhere else it earns its base 2x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
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 2026-10-01 against issuer terms · sources: creditcards.chase.com · sites.chase.com · creditcards.chase.com. Spot an error? Tell us.