MastercardIHG One Rewards Traveler Credit Card
Six-figure point bonuses and a fourth night free, on a card that costs nothing.
Welcome Bonus
125,000
≈$750 value
Spend Requirement
$4,000
in 6 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: 90k after $2k in 3 months, plus 35k more after $4k total in 6 months
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xIHG hotels and resorts
- 3xDining, gas stations, utilities and select monthly bills
- 2xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Fourth night free on award stays of 4+ nights
- ✦Silver Elite status, Gold at $20k annual spend
- ✦10,000 bonus points after $10k annual spend
- ✦No foreign transaction fees
Why it earns its spot
- +Routinely 100k+ bonuses with no annual fee
- +Fourth night free is rare on a no-fee card
Where it costs you
- −IHG points are worth roughly 0.6 cents each
- −No anniversary free night, the Premier's signature perk
- −Subject to Chase 5/24
The Compound Verdict
Pound for pound one of the best no-fee hotel cards, mostly because of the bonus. Take the six-figure offer, use the fourth-night-free math on a redemption or two, and decide later whether the $99 Premier upgrade earns its keep.
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