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Score up to 120K Bonus Points From the IHG Traveler Card — With No Annual Fee

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Stella Shon
Updated: 
Edited by: Michael Y. Park
& Jestan Mendame
Score up to 120K Bonus Points From the IHG Traveler Card — With No Annual Fee
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The IHG One Rewards Traveler Credit Card just launched an enhanced welcome offer of up to 120,000 points to fuel your 2026 travels. This is one of the strongest welcome offers we’ve seen on this $0-annual-fee hotel credit card.

Here’s a closer look at the card’s key features and how to maximize the bonus for thousands of hotel stays around the world.

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IHG Traveler Card: Earn up to 120K Bonus Points

The $0-annual-fee IHG Traveler card is the stepping stone to IHG One Rewards. It features an elevated overall welcome offer of up to 120,000 points, broken down into 2 separate offers:

  • Earn 90,000 bonus points after spending $2,000 on purchases in the first 3 months.
  • Earn up to 30,000 additional points by earning an additional 3x points on purchases in the first 6 months of account opening on up to $10,000 spent (except at IHG Hotels & Resorts).

The IHG Traveler card is a great earner for everyday expenses, with 3x points on monthly bills, gas stations, and restaurants, and 2x points on all other eligible purchases. However, eligible new account holders get a big boost of 3x bonus points on non-IHG purchases for the first 6 months.

Therefore, if you apply for this new welcome offer, those same rates become 6x points on monthly bills, gas stations, and restaurants, and 5x points on all other eligible purchases — up to that $10,000 maximum.

Hot Tip:

The standard welcome offer available to new applicants is 80,000 bonus points, so you could earn up to 50% more points with this elevated opportunity on the IHG Traveler card.

Is the IHG Traveler Card Worth It?

Outside of this welcome bonus offer, the IHG Traveler card grants up to 17x total points when you stay at IHG Hotels & Resorts — a generous return on your hotel expenses.

Cardholders can also receive complimentary IHG Silver Elite status, granted to them automatically when they open the account. These key benefits include a 20% bonus on points earned during IHG stays, points that never expire, and a fourth award night free, allowing status holders to redeem points for 3 consecutive nights and get a fourth night at no extra cost.

LIMITED-TIME OFFER
IHG One Rewards Traveler Credit CardTerms Apply / Rates & Fees
IHG One Rewards Traveler Credit Card
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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.
Earn 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
$600
$0
19.24% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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, Indigo® Hotels & Holiday Inn®
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

IHG Rewards Loyalty Program Review

By spending $20,000 in a calendar year, cardholders can unlock enhanced IHG Gold Elite status, which remains valid through December 31 of the following year and earns 40% more points on paid IHG hotel stays.

The IHG Traveler card is a Mastercard and waives foreign transaction fees for international travel. Cardholders can ensure peace of mind with valuable everyday and travel coverage for their card purchases, including trip cancellation and interruption insurance and purchase protection.

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How To Maximize 120,000 IHG Points

The IHG Traveler card is perfect for budget-conscious travelers who prefer to avoid annual fees but still want to earn points that can help offset hotel costs. Thanks to the card’s fourth-night-free benefit on award stays, it’s also one of the most effective ways to stretch an IHG One Rewards points balance.

If you earn the full 120,000-point, limited-time welcome offer, there are plenty of ways to put those points to use. The IHG One Rewards portfolio includes a wide range of budget-friendly hotels and resorts, making it easy to find solid redemptions.

Holiday Inn Golden Mile Hong Kong pool
You can even redeem your points for stays at international properties, such as the Holiday Inn Golden Mile Hong Kong. Image Credit: Keri Stooksbury

That said, IHG point redemption values can vary greatly by demand. In general, IHG points are reliably worth 0.5 cents apiece, according to our latest points and miles valuations, making this welcome offer estimation around $600.

For example, many Holiday Inn and Holiday Inn Express hotels are priced under 20,000 points per night. These hotels typically include perks like complimentary breakfast and reliable, comfortable accommodations.

Holiday Inn Express Redemption
Image Credit: IHG

With the fourth-night-free benefit, it’s often possible to book a 4-night stay for less than 60,000 points, potentially saving you hundreds of dollars on cash rates and leaving you with thousands of points to use toward a future stay.

Hot Tip:

The IHG One Rewards Premier Credit Card is also offering a 175,000-point welcome offer that can unlock more award stays. However, there’s a $99 annual fee to consider.

Final Thoughts

The IHG Traveler card is one of the best for earning a substantial number of hotel points without an annual fee. For those planning hotel stays in 2026 or beyond, this card can be a practical way to reduce out-of-pocket lodging costs while building a large points balance.

Featured Image Credit: SFIO CRACHO via Adobe Stock, modified by Upgraded Points LLC
Stella Shon's image

About Stella Shon

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in The New York Times, USA Today, and more.

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