Chase IHG One Rewards Traveler Credit Card Review: Worth It?

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The card_name is a no-annual-fee card offering a free fourth hotel night, an automatic Silver Elite status, 5x points at IHG Hotels, and travel and purchase protections. 

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

No Annual Fee
IHG One Rewards Traveler Credit Card
  • bonus_miles_full
  • 5x Points at IHG Hotels and Resorts
  • 3x Points on Dining, Utilities, Internet, Phone, Cable, Select Streaming Services, and at Gas Stations
  • 2x Points on All Other Purchases
  • IHG Rewards Silver Elite Status
  • 4th Night Free on Award Stays
  • No Annual Fee

Click Here to Learn How to Apply

Welcome Bonus of IHG Traveler

The IHG Traveler Card currently offers the following welcome bonus:


Earning IHG Rewards Points

The IHG Traveler Card earns IHG One Rewards points at the following rate:

  • 10 points per dollar at IHG Hotels and Resorts;
  • 3 points per dollar on dining;
  • 3 points per dollar on utilities;
  • 3 points per dollar on select streaming services;
  • 3 points per dollar at gas stations; and
  • 2 points per dollar on all other eligible purchases.

No Annual Fee

With no annual fee, the IHG Traveler credit card is perfect for travelers who want to rack up IHG points and enjoy hotel benefits without worrying about a yearly commitment. 

Card Benefits and Perks

The IHG Traveler Card offers the following benefits and perks:

Fourth Hotel Night Free

You can get a fourth night free when booking a hotel stay of four nights or more with points. 

For example, if the hotel costs 25,000 points per night, and you are staying 4 nights, it would only be 75,000 points instead of 100,000 points.

This is an amazing perk that you can use with no limit. You can even apply it when booking multiple rooms at a hotel. 

20% Off Points Purchases

We generally don’t recommend purchasing points. But if you need more points for a reward night, IHG lets you buy points with a 20% discount with your Traveler Card. The maximum amount of IHG points you can purchase is 150,000 points per calendar year.

10,000 Bonus Points

In addition to the generous welcome offer, you can earn 10,000 bonus points when you spend $10,000 plus make one extra purchase in a calendar year. 

IHG Silver Elite Status

The IHG Traveler credit card automatically earns you IHG Silver Elite status, which offers the following benefits: 

  • 20% bonus on base points (12 points per dollar at IHG hotels and 6 points per dollar at Staybridge Suites and Candlewood Suites)
  • Late 2 p.m. checkout, subject to availability
  • Points never expire 

Path to Gold Elite Status

You can upgrade your elite status to IHG Gold Elite by spending $20,000 in calendar year.

Gold elite members enjoy all the perks of Silver elites plus 40% points bonus and a choice of milestone reward, including 5,000 bonus points, 2 food and beverage rewards, and 1 confirmable suite upgrade. 

Other Benefits and Perks

The IHG Traveler also features these benefits and perks:

No Foreign Transaction Fees: You can make international purchases with your card without paying an extra fee of around 3%.

Purchase Protection covers eligible purchases against accidental damage or theft for up to 120 days for purchases this card.

Trip Cancellation and Interruption Insurance reimburses you for non-refundable expenses if your trip is interrupted or canceled for a covered reason when you pay for your travel expenses with this card.

Baggage Delay Insurance can reimburse you for the cost of necessary personal and business items while waiting for your checked bag when it’s delayed by a common carrier.

Lost Luggage Reimbursement covers the cost to repair or replace your luggage, and the personal belongings contained within if your bag is lost or damaged during a covered trip.

Secondary Rental Car Insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.

Extended Warranty coverage adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

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Redeeming IHG One Rewards Points

IHG One Rewards points can be used at over 6,000 hotels worldwide, including several brands like Kimpton, Intercontinental, Holiday Inn, and more.

IHG uses dynamic pricing for award nights, which means the number of points required varies depending on the hotel, date, and demand. You can check the price and availability of award nights on the IHG website or app by selecting the “Reward Nights” option.

To redeem IHG points for a hotel stay, you need at least 5,000 points. You can also use Points & Cash to pay for part of your stay in points and the rest in cash. This can help you save money and stretch your points further.

Besides hotel stays, you can also redeem your IHG points for other things, such as experiences, gift cards, merchandise, donations, or airline miles. However, these options usually offer lower value for your points and may have limited availability or restrictions.

Pros and Cons Of IHG Traveler


  • No Annual Fee.
  • Great travel and purchase protections for no annual fee card.
  • Fourth night free on award stays.


  • IHG Silver status has limited benefits.
  • No free night certificate unlike card_name (review).

Alternatives to IHG Traveler

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

IHG One Rewards Premier Credit Card

Platinum Elite Status


  • bonus_miles_full
  • 10x Points at IHG Hotels and Resorts
  • 5x Points on Travel, Dining, and Gas
  • 3x Points on All Other Purchases
  • IHG Platinum Elite Status
  • Anniversary Free Night
  • 4th Night Free on Awards
  • Baggage and Trip Interruption/Cancellation Insurance
  • Purchase Protection for 120 Days
  • $99 Annual Fee

Click Here to Learn How to Apply

The card_name (review) is a hotel card that offers automatic Platinum Elite status, an anniversary free night up to 40,000 points, fourth night free on award stays, and up to 10x points at IHG Hotels & Resorts.

This card also offers other nice benefits including trip cancellation, travel accident, baggage delay, purchase, and secondary rental car insurance. 

Chase Sapphire Preferred® Card

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Is the IHG Traveler Worth It?

The IHG Traveler Card is a decent option for IHG Travelers, but I think the card_name (review) with IHG Platinum Elite status and a free anniversary night.

No Annual Fee
IHG One Rewards Traveler Credit Card
  • bonus_miles_full
  • 5x Points at IHG Hotels and Resorts
  • 3x Points on Dining, Utilities, Internet, Phone, Cable, Select Streaming Services, and at Gas Stations
  • 2x Points on All Other Purchases
  • IHG Rewards Silver Elite Status
  • 4th Night Free on Award Stays
  • No Annual Fee

Click Here to Learn How to Apply

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