IHG One Rewards Traveler Credit score Card overview
The IHG One Rewards Traveler Credit score Card is IHG’s no-annual-fee card choice. With this card, you will earn 5 factors per greenback at IHG motels and resorts in addition to 3 factors per greenback at fuel stations, month-to-month payments and eating places with this card. Whereas the IHG Traveler Card provides some helpful IHG-related perks, it will not be your best option for you. Card Score*: ⭐⭐1/2
*Card Score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
IHG provides two private cobranded Chase playing cards to assist prospects rack up factors and maximize their stays. One in all these playing cards is the no-annual-fee IHG One Rewards Traveler Credit score Card. The IHG One Traveler Card actually has extra to supply to IHG loyalists than most no-annual-fee lodge playing cards, but it surely will not be your most suitable option.
Particularly, if you are going to use one in all your Chase 5/24 slots on an IHG One Rewards bank card, the IHG One Rewards Premier Credit score Card is a greater choice for most individuals. Nevertheless, if you have already got the IHG Premier Card and wish to earn one other sign-up bonus, otherwise you refuse to pay any annual charges, you may wish to snag the IHG Traveler Card.
So, let’s take a more in-depth take a look at the IHG One Traveler Card so you may resolve whether or not it’s best for you.
Who is that this card for?
The IHG One Rewards Traveler Credit score Card is for vacationers who desire a technique to earn IHG factors on their purchases with out incurring an annual payment. Particularly, this card is greatest should you stick with IHG ceaselessly and can use the cardboard’s fourth reward night time profit.
However, if you’d like automated elite standing with IHG, you might be higher off with the IHG One Rewards Premier Credit score Card. The IHG Premier Card comes with Platinum Elite standing and a slew of different perks. Plus, the IHG Premier Card’s anniversary night time can simply justify the cardboard’s $99 annual payment.
Like most Chase bank cards, the IHG Traveler Card is restricted by Chase’s 5/24 rule. So, Chase will reject your utility should you’ve opened 5 or extra new playing cards throughout all issuers within the final two years. Plus, should you get this card, it would take up one in all your 5/24 slots. So, in case you have different Chase playing cards you wish to add to your pockets, you might not wish to apply for the IHG Traveler Card now.
Associated: Earn additional factors at your favourite eating places with IHG Rewards Eating
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Signal-up bonus: Price $500
At the moment, the IHG Traveler Card provides a sign-up bonus of 100,000 bonus factors after spending $2,000 on purchases inside three months of account opening.
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Whereas IHG factors are among the least beneficial factors in TPG’s month-to-month valuations (price simply 0.5 cents per level), these 100,000 bonus factors are price $500 — very strong for a card with no annual payment.
You could be eligible for the IHG One Traveler Card (and its sign-up bonus) should you fulfill all the following necessities:
- Do not at present have a private (not enterprise) IHG Rewards card.
- Have not earned a sign-up bonus on a private IHG card within the final 24 months.
- Are beneath Chase’s 5/24 rule.
Associated: The final word information to bank card utility restrictions
Most important advantages and perks
As is the case with even one of the best no-annual-fee playing cards, the IHG One Traveler Card does not provide many luxurious perks. Here is a fast overview of the cardboard’s major advantages and perks.
Fourth reward night time profit
Every time you redeem factors for a keep of 4 or extra nights, each fourth night time will price zero factors. As soon as you are a cardholder, this low cost can be robotically utilized whenever you redeem IHG factors for eligible stays.
Associated: Find out how to maximize longer lodge stays through the use of a free night time profit
Save 20% on level purchases
You may get a 20% bonus everytime you purchase IHG factors along with your card. However you may’t mix this low cost with different promotions, comparable to when IHG factors are on sale. And, IHG generally provides a a lot better 100% bonus whenever you buy factors. So, though I typically purchase IHG factors when the 100% bonus drops the acquisition value to 0.5 cents per level, I do not discover the 20% low cost interesting.
Associated: When does it make sense to purchase factors and miles?
Computerized Silver standing (with a path to Gold)
IHG One Traveler cardholders will get pleasure from automated Silver Elite standing within the refreshed IHG One Rewards program This tier features a 20% bonus on lodge stays, precedence check-in and factors that do not expire.
As well as, you should purchase your technique to Gold Elite standing whenever you spend $20,000 in your card every calendar yr. This tier features a 40% bonus on lodge stays and rollover elite nights for standing within the following yr.
Associated: What’s IHG One Rewards elite standing price?
No international transaction charges
Many bank cards do not cost international transaction charges; nevertheless, there are few playing cards on that listing with out an annual payment. If you happen to journey overseas ceaselessly, it is price having at the very least one bank card that does not cost international transaction charges.
Associated: Here is why you continue to earn factors on purchases made in a international forex
Find out how to earn factors
If you use your IHG One Traveler Card to make purchases, you will earn:
- 5 factors per greenback at IHG motels and resorts (2.5% return, based mostly on TPG’s valuations).
- 3 factors per greenback at fuel stations, month-to-month payments and eating places (1.5% return).
- 2 factors per greenback on every little thing else (1% return).
These returns aren’t nice, even for a no-annual-fee card.
The two.5% return at IHG motels and resorts is not dangerous. However, you are able to do a lot better with quite a few purchases utilizing a number of sub-$100 annual payment playing cards. For instance, the $95 annual payment Chase Sapphire Most well-liked Card earns 2 factors per greenback (for a 4% return) on journey purchases. And, the $95 annual payment Capital One Enterprise Rewards Credit score Card earns 2 miles per greenback for a 3.7% return on virtually all purchases.
The IHG One Traveler Card additionally is not a good selection for many different purchases. In spite of everything, it solely supplies a 1.5% return at fuel stations, grocery shops and eating places, plus a 1% return on different purchases. A number of easy, cash-back bank cards provide a 2% return on all purchases. For instance, you may earn 2% per greenback on all purchases — 1% whenever you purchase and 1% whenever you pay — with the no-annual-fee Citi Double Money® Card (see charges and charges).
Associated: 13 methods to top off on IHG Rewards factors
Find out how to redeem factors
There are a lot of choices for redeeming IHG Rewards factors. Not surprisingly, you will get one of the best worth out of your factors whenever you redeem for IHG lodge stays.
TPG values IHG factors at simply 0.5 cents every. Nevertheless, it is potential to maximise redemptions with the IHG Rewards program and get far more worth out of your factors. Listed below are a number of methods you are able to do so.
IHG has dynamic award pricing, however there are some good offers to be discovered. Nevertheless, one draw back to dynamic pricing is that you must extra fastidiously contemplate when to make use of your factors versus money for a keep. I have a tendency to make use of factors after I can get higher than 0.5 cents per level of worth. And I virtually at all times use factors after I ebook a keep of 4 nights or longer to make the most of the IHG One Traveler Card’s fourth reward night time profit. Conversely, I have a tendency to make use of money when IHG is providing a profitable lodge promotion.
IHG Rewards factors can go a great distance in some areas. Listed below are a few of my favourite IHG properties within the U.S. bookable for 10,000 factors. And, should you’re able to journey internationally, listed here are among the greatest worldwide IHG properties bookable for 10,000 factors.
You can also use a mix of Factors + Money to ebook stays. For a given room, you will usually see a chart with reductions from the total nightly award price in increments of 5,000 factors.
On a Factors + Money reserving, you are primarily shopping for the additional factors wanted to finish the redemption. So, should you cancel your room, your refund can be given solely in factors. I not often ebook Factors + Money charges, because it’s normally a greater worth to make use of simply factors. Nevertheless, it is price checking to see whether or not the mathematics works out on every reserving.
Associated: Find out how to earn and redeem factors with IHG Rewards companions
Competing playing cards
For IHG loyalists, you will not be enticed by lodge bank cards from different chains. Nevertheless, there are two different playing cards price contemplating as options to the IHG One Traveler card.
Chase additionally points the IHG One Rewards Premier Credit score Card, which has a $99 annual payment and supplies automated Platinum Elite standing, a free night time award every account anniversary (price as much as 40,000 factors), $50 of United TravelBank credit score annually and reimbursement on your utility payment to International Entry, TSA PreCheck or Nexus (obtainable each 4 years). Cardholders additionally benefit from the fourth-night-free profit when redeeming factors for IHG lodge stays. With the Premier card, you will earn 10 factors per greenback at IHG properties, 5 factors per greenback on journey, 5 factors per greenback on eating and fuel and three factors per greenback on different purchases.
It is also price contemplating the Chase Sapphire Most well-liked Card. This card has a $95 annual payment and earns Chase Final Rewards factors, which you’ll switch to IHG 1:1 for redemptions — plus use them with different airline and lodge packages. The truth is, lots of these different choices present higher worth than utilizing your Chase factors with IHG. With the Sapphire Most well-liked, you will earn 5 factors per greenback on journey booked with the Chase journey portal, 5 factors per greenback on Lyft rides (by way of March 2025), 3 factors per greenback on streaming companies and on-line grocery purchases, 3 factors per greenback on eating, 2 factors per greenback on journey and 1 level per greenback on different purchases. Different key perks embody a ten% anniversary factors bonus and as much as $50 in annual lodge spending credit.
The IHG One Rewards Traveler Credit score Card is not a nasty choice. For no annual payment, you will get a 2.5% return at IHG motels and resorts and some IHG-related perks. For vacationers who sometimes go to IHG properties however need entry to the fourth-night-free profit, it is a strong addition to your pockets. Nevertheless, should you’re on the lookout for additional perks throughout your stays, this card lacks premium advantages.
In fact, including a brand new card to your pockets could take up a beneficial Chase 5/24 slot. If you do not have plans so as to add greater than 5 playing cards to your pockets inside 24 months, you don’t have anything to fret about. However, should you’re including playing cards to your pockets extra shortly, you must have a plan for which playing cards you need.
Official utility hyperlink: IHG One Rewards Traveler Credit score Card
Extra reporting by Madison Blancaflor, Christina Ly and Ryan Smith.