IHG One Rewards Credit Card (formerly Traveler)
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
$2,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: Launch offer: 125,000 points after $2,000 in 3 months, plus 10,000 points for adding an authorized user in 3 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 4 tracked offers going back to 2022, nothing has beaten 125k.
Current offer
125k
All-time high
125k
Typical offer
112,500
In place since
April 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 125,000 | $2,000 in 3 mo | Spend: $4,000 → $2,000 · Window: 6 months → 3 monthsLaunch offer: 125,000 points after $2,000 in 3 months, plus 10,000 points for adding an authorized user in 3 months | Chase IHG One Rewards Credit Card product page → |
| 2026-04 | 125,000 | $4,000 in 6 mo | Bonus increased: 100,000 → 125,000 · Spend: $2,000 → $4,000 · Window: 3 months → 6 monthsStructured two-part offer | Archive record · no attached snapshot |
| 2024-04 | 100,000 | $2,000 in 3 mo | Bonus increased: 80,000 → 100,000 | Archive record · no attached snapshot |
| 2022-06 | 80,000 | $2,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Renamed IHG One Rewards Credit Card; 125k launch offer after $2k/3mo; 3x adds grocery; Gold at $15k; 4th night free gated by $5k spend from 2027; apply URL moved
Fields: name, currentOffer, earningRates, benefits, applyUrl
Chase IHG One Rewards Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xIHG hotels and resortsUp to 17x total with member earn and Silver Elite status
- 3xDining, gas stations and grocery stores
- 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; starting in 2027 it requires $5,000 of spend in a calendar year
- ✦Automatic Silver Elite status, Gold after $15,000 of annual spend
- ✦5 Elite Night Credits at account opening and each calendar year
- ✦10,000 bonus points after $15,000 of spend each calendar year
- ✦30% off IHG points purchases
- ✦No foreign transaction fees
Why it earns its spot
- +125k bonus after only $2,000 of spend, 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
- −Fourth night free will need $5,000 of yearly spend from 2027
- −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 125k offer, use the fourth-night-free math on a redemption or two, and decide later whether the $150 Premier upgrade earns its keep.
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