The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

  • IHG One Rewards Traveler Credit Card

    Great card for earning points fast for IHG loyalists

    • 1–2 Points per $1Rewards Rate
    • 21.49% – 28.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

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MoneyGeek uses a thorough and up-to-standard methodology and review process to determine the best credit cards for our readers based on factors such as credit fees, rewards, benefits and more. The process involves gathering data from the Consumer Finance Protection Bureau’s database, getting up-to-date data points for easy ranking calculations, projecting the annual average spend profile, determining annual and introductory bonuses, determining the long-term value of holding the card and conducting a regular review and re-ranking processes.

The IHG One Rewards Traveler Credit Card is a viable option for applicants who want a more dynamic co-branded hotel credit that provides perks for staying at IHG hotels. While it only offers you one point for each dollar you spend on your daily purchases, you can use it at other IHG properties, gas stations, grocery stores and restaurants. Using this card can help you earn Gold Elite status, with which you can earn a 10% bonus on hotel stays. The card has a regular variable APR of 21.49% – 28.49% with no foreign transaction fees.

IHG One Rewards Traveler Credit Card Overview

Besides IHG One Rewards Traveler Credit Card benefits, you can earn 0.5% on all purchases and 1% on gas stations, restaurants and grocery stores. Also, you can earn up to 17X total points at IHG hotels if you combine this card with existing IHG Rewards member benefits.

You can keep your points active by extending the expiration date once you use your IHG One Rewards Traveler Credit Card, transfer IHG points or make a reservation at any IHG properties around the globe exceeding 5,800 points.

The best way to earn points with Chase IHG Rewards Club Traveler is to pay for hotel stays with the card. You’ll get even more value by booking four nights or more since the fourth night is free.


Quick Take

  • Certain purchases may not earn points
  • Points may expire if you do not have 12 months of consecutive activity on your card
  • Benefits and rewards may vary by location

Important Card Details

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    Regular/ Variable APR

    The IHG One Rewards Traveler Credit Card has a high variable APR rate of between 21.49% – 28.49% on purchases and bank transfers. Your card starts accruing interest when you start making purchases, and the percentage may differ depending on the current prime rate.

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    Balance Transfer Fee

    The IHG One Rewards Traveler Credit Card charges a relatively high fee of up to 5% on the total amount you transfer. The percentage is equivalent to a fee of up to $10. For instance, if you make a $2,000 transfer, you’ll pay $100 as your balance transfer fee.

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    Annual Fee

    This card charges no annual fee.

Additional Benefits

The IHG One Rewards Traveler Credit Card doesn't offer a ton of luxury perks. However, it has other features and benefits that are beneficial.

  • 20% discount on IHG rewards club point purchases: This perk comes in handy when you need more points to redeem your rewards.
  • Purchase protection: The IHG One Rewards Traveler Credit Card protects all your new purchases for up to 120 days against damage or theft with up to $500 for every claim and $50,000 per account.
  • Cell phone insurance: If you're using your card to pay for your monthly phone cell bill, the card protects your phone against theft or damage with up to $600 per claim and $1,000 per year.
  • Baggage delay insurance: The card will cover your purchases such as toiletries and clothing for baggage delays by airline carriers that are over six hours in length. The insurance amount is up to $100 per day for three days.
  • Auto rental collision damage waiver: If a collision occurs while you are renting a car, you can charge the entire cost on the card instead of using the rental company's collision insurance. Using the card will give you secondary coverage to your insurance.
  • Lost luggage reimbursement: If you or your immediate family member's luggage is lost, the card covers up to $3,000 per passenger.
  • Trip cancellation or interruption insurance: Your trip may be canceled or cut short due to certain covered situations such as illnesses and severe weather conditions. In this case, you're eligible for reimbursement of up to $5,000 per person and $10,000 per trip for pre-paid and non-refundable expenses.
  • Travel accident insurance: Paying for your air, bus, train or cruise transportation using the IHG One Rewards Traveler Credit Card guarantees coverage of up to $500,000 of any accidental death or dismemberment.
  • Travel and emergency assistance services: If you encounter an issue during your travel, contact the Benefit Administrator for a legal or medical referral.
  • Add authorized users: You can get complimentary cards for your family members and friends. You'll earn extra reward points faster since you’ll have multiple people using your account.

How the IHG One Rewards Traveler Credit Card Compares To Other Cards

The IHG One Rewards Traveler Credit Card rivals other cards as it does not have annual fee and foreign transaction fees. However, comparing it with other travel cards will depend on what you want from the card.

In-Depth Credit Card Comparisons:
How the IHG One Rewards Traveler Credit Card Compares

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IHG One Rewards Traveler Credit Card

  • Annual fee: $0
  • Purchase APR: 21.49% – 28.49%
  • Cash back: N/A
  • Best For: Cardholders who plan to use reward points for travel stay without paying an annual or foreign transaction fee
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Chase Freedom Unlimited®

  • Annual fee: $0
  • Purchase APR: 0% intro APR for 15 months, then a variable APR of 20.49% – 29.24%
  • Cash back: 1.5% on general purchases
  • Best For: Cardholders looking to get valuable cash backs on travel purchases

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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