IHG One Rewards Traveler Credit Card
A no-annual-fee miles card from JPMorgan Chase Bank, National Association, with a $800 signup bonus.
JPMorgan Chase Bank, National Association · MASTERCARD
- Annual fee
- $0
- Purchase APR
- 19.24–27.74%variable
- Signup bonus
- $800
- Foreign transaction
- None
Earn Rules
| Dining | 300.00% |
| Streaming | 300.00% |
| Gas | 300.00% |
| All Other | 200.00% |
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 & Resorts | 500.00% |
| with Silver Elite Status | 200.00% |
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 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
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.
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.
- DoorDash Rewards Mastercard®$726 (+$254)
- Fifth Third 1.67% Cash/Back Card$701 (+$229)
- Citizens Summit® World Mastercard®$683 (+$210)