IHG One Rewards Traveler Credit Card
By Alex Compton · Last verified
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.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2022, nothing has beaten 125k.
Current offer
125k
All-time high
125k
Typical offer
100k
In place since
April 2026
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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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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