IHG One Rewards Traveler Credit Card

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Current Offer

Earn 80,000

Bonus Points

after spending $2,000 on purchases within the first 3 months of account opening.

Annual Fee: $0

Terms Apply.

No Foreign Transaction Fees

How to Earn Rewards

17x

Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts

3x

Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants

2x

Earn 2 points per $1 spent on all other purchases

Benefits

Redeem 3 nights and get the 4th night free.

Our Take

The IHG One Rewards Traveler Credit Card offers a no-annual-fee entry point into the IHG rewards ecosystem with a straightforward earning structure. Cardholders earn up to 17 total points per $1 spent at IHG Hotels & Resorts, 3 points per $1 spent on monthly bills, gas stations, and restaurants, and 2 points per $1 spent on all other purchases. While not as lucrative as premium IHG cards, this earning rate still provides decent value for occasional IHG guests.

The card’s benefits are modest but include helpful features like a fourth night free when redeeming points for three consecutive nights and no foreign transaction fees for international purchases. Positioned in the lower-middle tier of hotel co-branded cards, this option is best suited for travelers who stay at IHG properties occasionally but don’t require premium benefits. For IHG loyalists seeking more substantial perks and higher earning rates, applying for a higher-tier IHG card would likely provide better overall value.