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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-04 | 125,000 | $4,000 in 6 mo | Bonus increased: 100,000 → 125,000 · Spend: $2,000 → $4,000 · Window: 3 → 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xIHG hotels and resorts
- 3xDining, gas stations, utilities and select monthly bills
- 2xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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