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IHG One Rewards Traveler Credit Card
Welcome Offer
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How to Earn Rewards
17x
Total points per $1 spent at IHG hotels (5x card + 10x IHG base + 2x Silver Elite bonus)
3x
Points per $1 spent on monthly bills, at gas stations, and restaurants
2x
Points per $1 spent on all other purchases
Key Benefits
Tap any benefit to see details.
4th Reward Night Free on Stays of 4+ Nights
When you redeem points for any consecutive stay of 4 or more nights at an IHG hotel, the 4th reward night is free.
Automatic IHG Silver Elite Status
Automatic IHG One Rewards Silver Elite status as long as you remain a Traveler cardmember. Includes a 20% bonus on points earned during paid IHG stays and points that don't expire while you hold the card.
Gold Elite Status with $20K Annual Spend
The primary cardmember earns IHG Gold Elite status through December 31st of the following year after spending $20,000 in a calendar year on the card. Gold Elite includes a 40% points bonus on stays.
10,000 Bonus Points + $100 Statement Credit at $20K Annual Spend
Earn 10,000 bonus points and a $100 statement credit after spending $20,000 each calendar year on purchases.
20% Discount on IHG Point Purchases
Save 20% when you purchase IHG One Rewards points using the card.
No Annual Fee
$0 annual fee — keep it forever without worrying about earning back the AF.
No Foreign Transaction Fees
No foreign transaction fees — uncommon among no-annual-fee cards. Useful for IHG's large European and international footprint.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Good option for a no annual fee card! This card also unlocks the ability to get your 4th night free on IHG award stays.
Unlike the version with an annual fee, this one does not come with any annual free night.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 80,000 Bonus PointsCurrent | $2,000 in 3 months | Standard sign-up bonus |
| Up to 125,000 Bonus Points (90K + 35K)CurrentElevated | $2,000 in 3 months, then $4,000 total in 6 months | Current limited-time elevated (just launched ~April 30, 2026) |
| 100,000-120,000 Bonus PointsElevated | Standard spend req | Periodic elevated offers |
| 120,000 Bonus PointsElevated | Standard spend req | Ended July 2025 |
| 2 Free Nights + 40,000 Bonus PointsElevated | $2,000 in 3 months | Ended October 2025 |
