How I Get a Fourth Night Free at Thousands of Hotels With This No-Annual-Fee Card

Updated: February 15, 2026, 4:00pm CST

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Table of Contents

IHG Traveler Card Overview
What Is the Fourth-Night-Free Perk?
How To Use the IHG Fourth-Reward-Night-Free Benefit
Final Thoughts

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The no-annual-fee IHG One Rewards Traveler Credit Card is my favorite hotel credit card — and it’s one most people completely overlook.

It’s especially valuable for one perk in particular, and that’s for unlocking my fourth consecutive award night free at eligible IHG Hotels & Resorts properties. This benefit saves me thousands of points every year through strategically timed 4-night stays at the same property.

Combined with an elevated limited-time welcome offer, I’d argue that the IHG Traveler card is one of the best to pick up right now — especially if you’re planning trips in 2026 and beyond.

IHG Traveler Card Overview

The IHG Traveler card is a solid hotel rewards card, particularly for those who frequently stay at IHG Hotels & Resorts. It earns up to 17 total points per $1 on IHG stays, 3 points per $1 on monthly bills, at gas stations, and restaurants, and 2 points per $1 on all other purchases.

The IHG Traveler card also features a limited-time welcome offer through March 18, 2026, allowing you to earn up to 50% more bonus points than its standard bonus offer:

Earn up to 120k bonus points. Earn 90,000 bonus points after spending $2,000 in the first 3 months. Plus, up to 30,000 bonus points by earning an additional 3x on purchases, except on IHG Hotels & Resorts, in the first 6 months on up to $10,000 spent.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

IHG One Rewards Traveler Credit Card

U.P. Rating

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.

Apply Now(at Chase's secure site)

IHG One Rewards Traveler Credit Card

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.

Welcome OfferEarn up to 120k bonus points. Earn 90,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening. Plus, up to 30,000 bonus points by earning an additional 3x on purchases, except on IHG Hotels & Resorts, in the first 6 months from account opening on up to $10,000 spent.
Up to 120k Bonus Points

UP's Offer Valuation*:
$600

Annual Fee

APR

19.24% - 27.74% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

Up to 17x total points per $1 on IHG stays
3x points per $1 on monthly bills, at gas stations, and restaurants
2x point per $1 on all other purchases

Cons

Not as rewarding as the IHG One Rewards Premier Credit Card

Read Full Review

Card Highlights

Limited Time Offer! Earn up to 120,000 Bonus Points
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Hotel Indigo^® & Holiday Inn^®
Member FDIC

Financial Snapshot

APR: 19.24% - 27.74% Variable
Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

We value IHG One Rewards points at 0.5 cents apiece, making this welcome offer worth $600. That is a fantastic return, particularly for a card with a $0 annual fee.

St. Regis Chicago suite living room — The IHG Traveler card offers benefits such as complimentary IHG Silver Elite status, which can help secure room upgrades. Image Credit: Ehsan Haque

It also provides numerous perks and benefits, including complimentary IHG Silver Elite status (with the option to spend to earn IHG Gold Elite status), a 20% discount on IHG points purchases, trip cancellation and trip interruption insurance, and purchase protection.

What Is the Fourth-Night-Free Perk?

As an IHG Traveler cardholder, I score the ability to get the fourth reward night free when I redeem IHG points for a stay of 4 or more consecutive nights at the same property — simply by carrying the card. That’s because the fourth night free perk is included with automatic Silver Elite status, another benefit of the card.

Know that this benefit applies only when redeeming IHG One Rewards points — not for paid stays or points-plus-cash bookings. However, there is no limit to how many times cardholders can use this benefit each year.

Hot Tip:

There are 3 IHG credit cards: the IHG Traveler card, the IHG One Rewards Premier Credit Card, and the IHG One Rewards Premier Business Credit Card. The latter 2 have annual fees, but I keep the IHG Traveler card around since it unlocks the fourth night free benefit, all with a $0 annual fee.

How To Use the IHG Fourth-Reward-Night-Free Benefit

Using the benefit is seamless. All you need to do is log in to your IHG One Rewards account and perform a 4-night award search. When searching, cardholders will see the standard award rates crossed out and replaced with lower figures.

The original rates represent the average nightly cost before the perk is applied, while the updated rates reflect the reduced average after the benefit is applied.

voco Seoul Myeongdong IHG 4th night free — The benefit can save thousands of IHG points. Image Credit: IHG

For example, 4 nights at the voco Seoul Myeongdong — in the heart of all the action — can be booked for an average of 28,250 points per night for a total of 113,000 IHG One Rewards points. But when you factor in the fourth-night-free benefit, the rate drops to just 20,500 points per night, or a total of 82,000 IHG One Rewards points.

IHG fourth reward night free benefit — The fourth night free benefit can save thousands of points. Image Credit: IHG

Although in this example I only saved 31,000 points, worth $155 according to our valuations, this is a major perk courtesy of the no-annual-fee IHG Traveler card. This benefit provides even more value for higher-end properties, where rates can be as high as 100,000 points per night.

Final Thoughts

The IHG Traveler card offers numerous benefits, including Silver Elite status and a discount on IHG points purchases. However, its most valuable perk is the fourth-reward-night-free benefit, which allows cardholders to get a fourth night free on stays using IHG One Rewards points. The limited-time welcome offer of up to 120,000 bonus points ends on March 18, 2026.