Chase
IHG One Rewards Traveler Credit Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Other Fees | No foreign transaction fees |
About this card
Considering the individual ratings and reputation analysis, the IHG One Rewards Traveler Credit Card earns an overall rating of 3.2. This card is a reasonable choice for individuals who occasionally stay at IHG hotels and prefer to avoid annual fees. Its strengths include the absence of an annual fee, no foreign transaction fees, and a solid sign-up bonus. The rewards program is decent, especially for IHG loyalists, with up to 17x points at IHG hotels and 3x points on dining, utilities, select streaming services, and gas. Automatic Silver Elite status and the 4th-night-free perk add value. However, the high APR is a significant drawback, and the 2x base rewards rate is not competitive. The card's value is also heavily skewed towards the IHG ecosystem, which may not appeal to everyone. The card's reputation is generally positive, particularly as an entry-level hotel card issued by Chase, but it lacks the premium benefits of cards with annual fees. The APR has the lowest score, so if one carries a balance this card is costly.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Automatic Silver Elite Status
- No foreign transaction fees
Things to consider
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 80,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Rewards
- up to 17X total points per $1 spent when you stay at IHG Hotels and Resorts.
- That's 5X points with this card.
- Plus up to 10X points from IHG on stays for being an IHG One Rewards member.
- Plus up to 2X points from IHG on stays with Silver Elite Status, a benefit of this card.
- Earn 3X total points on dining, utilities, select streaming services, and at gas stations.
- Earn 2X points per $1 spent on all other purchases.
Other features
- Automatic Silver Elite Status as long as you remain an IHG One Rewards Traveler Cardmember.
- Earn 10,000 bonus points after you spend $10,000 each calendar year.
- Redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during that same stay.
- Gold Elite Status Each calendar year you make purchases totaling $20,000 or more, you, as the primary cardmember, will qualify for Gold Elite Status through December 31st of the following year.
- Save 20% on Rewards Points Purchases Save 20% when you purchase points with your IHG One Rewards Traveler credit card.
- Early Access to IHG Reward Night Sales As an IHG One Rewards Cardmember, you are eligible for early access to Reward Night sales each year.
- Baggage Delay Insurance Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Trip Cancellation and Interruption Insurance If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Refer Friends if you already have a participating IHG One Rewards Credit Card! Earn up to 50K bonus points per year. You can earn 10,000 bonus points for each friend that gets approved for a participating IHG One Rewards Credit Card.
Additional Notes
This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.