Edited by: Stella Shon
& Kellie Jez
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Good to Excellent (670-850)
Earn up to 17x when you stay at IHG hotels, 3x on monthly bills, at gas stations, and restaurants, and 2x on all other purchases.
If you’re someone who is looking to enhance your IHG stays by earning more points and benefits, without paying an annual fee, then the IHG One Rewards Traveler Credit Card might be the perfect fit for you.
In this guide, we will provide a detailed view of what the card can offer so you can decide if it makes sense to add to your wallet.
The IHG Traveler card will be most worth it to those who are looking to earn more IHG Rewards points during their stays, along with receiving a few card benefits, all without an annual fee.
Since the card earns 5x points per $1 on IHG stays, in addition to the 12x points per $1 you’ll earn as an IHG Silver Elite member, you’ll earn a total of 17x points per $1 during your stays when paying with the IHG Traveler card.
Additionally, the IHG Traveler card allows you to get your fourth night free on award stays — a huge benefit for those who often stay at least 4 nights.
Beyond that, you get a handful of great card protections, automatic Silver Elite status, and a 20% discount when purchasing IHG Rewards points.
If this all sounds great to you, then the IHG Traveler card likely would be very worth it to you.
Perhaps the best benefit of the card is the ability to get the fourth night free on award stays. This effectively gets you a 25% discount on all 4-night stays when redeeming points.
In our view, this certainly makes it well worth it to save up your points until you have enough for a 4-night redemption, as this will boost the value of your IHG Rewards points even further.
The card comes with automatic IHG Silver Elite status, which is IHG’s lowest status level but earns you 20% bonus points during your IHG stays, giving you 12x for being a Silver member and 5x for paying with your card, for a total of 17x points per $1.
Plus you’ll have the ability to spend your way to IHG Gold Elite status after spending $20,000 on the card in a calendar year.
If you find yourself just short of the number of points you need for a certain award, using your IHG Traveler card to purchase IHG Rewards points will give you a 20% discount when doing so.
Cardholders receive the following protections to help keep them covered in the event that things go wrong:
If you’re just starting out in points and miles, you might think that staying at IHG hotels is the only way to earn IHG Rewards points. However, in addition to adding a co-branded product like the IHG Traveler card, there are tons of great ways to earn IHG Rewards points.
IHG has a huge portfolio of hotels — over 7,000 worldwide — so how should you decide where to stay when you’re ready to redeem your points? We’ve got this covered with our guide to the best ways to redeem your IHG Rewards points.
If you’re someone who stays at IHG hotels often, then you might want to consider opting for the IHG Premier card instead.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.
The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.
While it does charge an annual fee, it also comes with significantly more benefits. For starters, you’ll earn up to 26x when using the card to pay for your IHG stays.
Not only will you earn more points, but you’ll receive automatic IHG Platinum Elite status, which gets you all the benefits of Gold Elite status plus 50% bonus points on stays, complimentary room upgrades, and guaranteed room availability.
You’ll also still receive your fourth night free on award stays, travel protections, a Global Entry, TSA PreCheck, or NEXUS credit, and an annual free night certificate usable at any IHG hotel costing up to 40,000 points per night — a benefit that more than covers the expense of the annual fee.
For those looking for a more well-rounded travel rewards card, you’ll be hard-pressed to find a better option than the Chase Sapphire Preferred card.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
You’ll earn 5x points per $1 on travel purchased through the Chase travel portal and 2x points per $1 on all other travel purchases. Plus, earn 3x points per $1 on dining, online grocery purchases, and select streaming purchases.
The card also includes a bevy of card protections, a $50 annual hotel credit through the Chase travel portal, a 25% bonus in point value when redeeming your points through the Chase travel portal, and access to the Chase transfer partners.
This depends on what you’re looking for out of your card. If you’re simply looking for a card that will help you earn more IHG Rewards points during your stays and doesn’t charge an annual fee, then the IHG Traveler card might be the best option for you.
On the other hand, if you’re someone who stays at IHG hotels often, and is looking for a card that offers more benefits like automatic elite status, boosted point earning, and an annual free night certificate, then you should go for the IHG Premier card.
No, the IHG Traveler card does not charge an annual fee.
There is no set credit score that will guarantee approval for the IHG Traveler card, as there are many factors that are taken into consideration. That being said, as long as your credit score is at least 670 or better, you should feel reasonably confident about your odds of getting approved.
Beyond earning IHG Rewards points for every dollar you spend, the top benefit of the IHG Traveler card is that it offers you a fourth night free on award stays, a 20% discount on point purchases, automatic Silver Elite status, and the ability to spend your way to Gold Elite status.
The IHG Traveler card does not offer rental car insurance.