IHG One Rewards Credit Card
Chase's no-annual-fee IHG card with 5x at IHG hotels and Silver Elite status. Annual fee: $0.
Renamed or replaced. Chase's current lineup does not list a card called 'Traveler'. The no-fee IHG card is now called the IHG One Rewards Credit Card.
Directory name 'IHG One Rewards Traveler'.
Welcome offer
| Offer | 125,000 points + 10,000 for an authorized user |
|---|---|
| Spend requirement | $2,000 in purchases |
| Time window | first 3 months |
| Expiration | Chase labels it a launch offer; no end date stated |
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| IHG hotels (card earn) | 5x | |
| Dining, gas, groceries | 3x | |
| Utilities, internet/cable/phone, select streaming | 3x until 12/31/2026, then 2x | |
| Everything else | 2x |
Benefits and credits
Statement credits
| Credit | Value | Details |
|---|---|---|
| Bonus points | 10,000 points | After $15,000 spend each calendar year. |
| DashPass | 12 months | Activate by 12/31/2027. |
| Instacart+ | 3 months + $10 monthly credit | Activate by 12/31/2027. |
Other benefits
- Automatic Silver Elite; Gold Elite after $15,000 spend in a calendar year.
- 5 Elite Night Credits at opening and each Feb 1.
- 4th reward night free on 4+ night stays (from 2027 requires $5,000 annual spend).
Restrictions
No special restrictions beyond the issuer's standard approval and bonus-eligibility rules.
Strategies
How this card relates to others. The directory lists 'IHG One Rewards Traveler'. Chase's current personal IHG lineup shows Premier Select, Premier and a $0-fee 'IHG One Rewards Credit Card'; no card named Traveler appears. The $0 card is the current no-fee IHG option.
- Only worth keeping if you stay at IHG: everyday spend earns just 2x–3x IHG points, so a general cash-back card usually does better on non-hotel spending.
Compare with: Marriott Bonvoy Brilliant® American Express® Card, Marriott Bonvoy Bevy™ American Express® Card, Marriott Bonvoy Bountiful® Credit Card, Marriott Bonvoy Boundless® Credit Card. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees, welcome offers and earning rates come from Chase's official card pages, fetched on Oct 27, 2026.
Last updated: . Verification status: status confirmed from the sources above.