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IHG One Rewards Traveler Credit Card card

IHG One Rewards Traveler Credit Card

A no-annual-fee miles card from JPMorgan Chase Bank, National Association, with a $800 signup bonus.

MilesHotel co-brand

JPMorgan Chase Bank, National Association · MASTERCARD

Annual fee
$0
Purchase APR
19.24–27.74%variable
Signup bonus
$800
Foreign transaction
None

Earn Rules

Dining3x IHG
Streaming3x IHG
Gas3x IHG
All Other2x IHG

Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →

Rates with strings attached

These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.

at IHG Hotels & Resorts5x IHG
with Silver Elite Status2x IHG

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

$10 Instacart credit monthlymonthlySource ↗$120/yr
$10 off quarterly on non-restaurant DoorDash ordersquarterlySource ↗$40/yr
Total credits / year we count$160

The total counts each credit at face value, and only the ones reachable at this spending level.

Signup Bonus

Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.

Value: $800 · Spend $2,000 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

  • People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
  • People whose stays are mostly with JPMorgan Chase Bank, National Association. The 5x is where this card beats a general-purpose one, and it only applies to that spending.

Where This Came From

Wondering if this card pays off for your situation? Is the IHG One Rewards Traveler Credit Card worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.