IHG One Rewards Traveler Credit Card Review

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 two points 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.

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.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

• 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

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.

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:

• IHG One Rewards Traveler Credit Card vs IHG One Rewards Premier Credit Card