IHG One Rewards Traveler Credit Card
Issued by Chase
Rates verified July 2026
Welcome Bonus
Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
Rewards Rate
3x points · up to 17x on IHG Hotels & Resorts
Annual Fee
No annual fee
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
3x points · up to 17x on IHG Hotels & Resorts
Welcome Offer
Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Gas Stations, IHG Hotels & Resorts, Streaming Services
Why We Recommend This Card
17.0% on IHG Hotels & Resorts
3.0% on Dining
3.0% on Gas Stations
Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
Annual Bonus Spend
Earn 10,000 bonus points after spending $10,000 on purchases each calendar year.
Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Gold Elite Status
Earn IHG One Rewards Gold Elite Status after you spend $20,000 on purchases each calendar year.
IHG One Rewards Silver Elite status
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Silver Elite status for as long as you remain a Traveler cardmember, and as long as your IHG One Rewards membership remains in good standing.
Lost Luggage Reimbursement
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Redeem 3 Nights, Get 4th Night Free
Enjoy a reward night 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.
Save 20% on reward points purchases
Save 20% when you purchase points with your IHG One Rewards Traveler credit card.
Up to $120 in Instacart credits
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Network benefits (Mastercard) — 17 standard protections
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer
Lyft
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Mastercard Travel
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Peacock
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer1
Priceless Experiences
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Priority Pass
Get access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
World Elite Concierge
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Direct to the Issuer
The Apply button takes you to Chase's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information