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IHG One Rewards Traveler Credit Card Review
February 6, 2025

Planning your next vacation? The IHG One Rewards Traveler Credit Card might be worth considering. This comprehensive review will help you understand if this hotel rewards card aligns with your travel goals and spending habits.
What Is the IHG One Rewards Traveler Credit Card?
The IHG One Rewards Traveler Credit Card is Chase's entry-level hotel rewards card designed for occasional travelers who prefer staying at IHG Hotels & Resorts properties. With no annual fee and a generous welcome bonus offer, this card provides an accessible entry point into the IHG One Rewards membership program while offering meaningful travel-related perks.
IHG One Rewards Traveler Credit Card Pros & Cons
Pros:
- No annual fee
- Substantial welcome bonus for eligible purchases after account opening
- Automatic Silver Elite status in the IHG One Rewards program
- Fourth reward night free on reward night point redemption stays of 4+ nights
- No foreign transaction fees
- Points purchase discount of 20%
- Access to reward night sales
Cons:
- Lower point value compared to premium travel cards
- Limited travel protection benefits
- Basic Silver Elite status offers minimal perks
- Points redemption rates can be high at popular properties
- Resort fees may still apply on reward stays
Who Is the IHG One Rewards Traveler Credit Card For?
This card is ideally suited for:
- Occasional IHG hotel guests who want to earn rewards without paying an annual fee
- Budget-conscious travelers seeking basic travel and purchase protection
- Those new to hotel rewards programs looking to test the waters
- Travelers who frequently book stays of 4+ nights and can benefit from the fourth reward night free benefit
- People who want the flexibility of Chase pay over time options
Comparing the IHG One Rewards Traveler Card with Other Credit Cards
When considering the IHG One Rewards Traveler Card, it's helpful to compare it with other popular options in the mid-tier travel card category:
Chase Sapphire Preferred® Card:
- Annual fee: $95
- Sign-up bonus: Substantial points bonus after meeting spending requirements
- Key rewards: 2X points on travel and dining, 1X on other purchases
- Standout feature: 25% more value when redeeming points for travel through Chase TravelSM
Capital One Venture Rewards Credit Card:
- Annual fee: $95
- Sign-up bonus: Large miles bonus after meeting spending requirements
- Key rewards: 2X miles on all purchases, 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Standout feature: Miles transferable to travel partners
American Express® Gold Card [rates & fees]:
- Annual fee: $325
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 4X points at restaurants (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X) and 3X on booked directly with airlines or on AmexTravel.com
- Standout feature: Up to $120 dining credit and up to $120 Uber Cash annually. An Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- IHG One Rewards Traveler Card excels in providing an accessible entry point into the IHG One Rewards membership program
- Chase Sapphire Preferred® Card offers versatile travel rewards
- Capital One Venture provides simple, flat-rate miles earning
- American Express® Gold Card features strong dining and groceries rewards
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Consider Using Kudos
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Our Expert Takeaway
The IHG One Rewards Traveler Credit Card offers solid value for occasional IHG hotel guests who want to earn rewards without paying an annual fee. While it may not compete with premium travel cards in terms of benefits and point value, its fourth reward night free benefit and lack of foreign transaction fees make it a worthy consideration for budget-conscious travelers.
IHG One Rewards Traveler Credit Card FAQ
What is the current welcome bonus?
New cardmembers can earn a substantial bonus after meeting minimum spending requirements within the first three months of account opening. The specific bonus offer may vary based on current promotions.
Does this card have foreign transaction fees?
No, the card does not charge foreign transaction fees on international purchases.
What level of elite status does this card provide?
Cardmembers receive automatic Silver Elite status in the IHG One Rewards program.
How does the fourth night free benefit work?
When you redeem points for a stay of 4 or more nights, you'll automatically get the fourth night free as a cardmember benefit.
What are the credit score requirements?
While Chase doesn't publish specific credit score requirements, good to excellent creditworthiness (typically 670+) is recommended for approval.
Can I upgrade to the IHG Premier card later?
Yes, based on your account behavior and credit approval, you may be eligible to upgrade to the Premier card after having the Traveler card for some time.
Do IHG points expire?
Points don't expire for cardmembers with active account status, but general IHG One Rewards points expire after 12 months of no qualifying activity.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.