Big IHG Traveler Card Welcome Offer: Earn 120,000 Points With No Annual Fee

The IHG One Rewards Traveler Credit Card may just be the best no-annual-fee hotel card right now, especially with its new 6-figure welcome bonus offer. Upon approval, you can earn 120,000 bonus points after just $2,000 in eligible spend on the card within the first 3 months of account opening.

This is the best offer that IHG One Rewards has offered on this card since 2023.

Let’s dive into the details of this card and how you can maximize these bonus points for stays at hotels and resorts worldwide.

IHG Traveler Card: Earn 120K Bonus Points

The IHG Traveler card is the perfect entry into the world of IHG One Rewards since it carries a $0 annual fee. Right now, the elevated welcome bonus is 120,000 points after you spend $2,000 in the first 3 months.

HIGHEST POINTS OFFER OF 2025

Terms Apply / Rates & Fees

IHG One Rewards Traveler Credit Card

U.P. Rating 

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.

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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 Offer

Earn 120,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

120,000 points

UP's Offer Valuation*:

$600

Annual Fee

$0

APR

19.99% - 28.49% Variable

Credit Recommended

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 cardapplication.

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

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Card Highlights

• Our Highest Points Offer of 2025! Earn 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: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

If you’re new to IHG One Rewards, it’s important to know that point redemption values can vary greatly. The hotel chain does not have a designated award chart, meaning points rates at each property vary by demand. Still, on average, we find that IHG points can reliably be worth 0.5 cents apiece, according to our latest points and miles valuations.

In other words, the “true” value of this welcome bonus offer in terms of cash terms is more like $600 — which is unheard of for a no-annual-fee hotel card. Just compare that to other major hotel cards:

• Marriott Bonvoy Bold^® Credit Card : Earn 30,000 points after you spend $1,000 on purchases in the first 3 months.
• Hilton Honors American Express Card: Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases in your first 6 months of Card Membership.

IHG Traveler Card Benefits

The IHG Traveler card offers various ongoing benefits that make it a strong choice for budget-minded travelers. Cardholders receive complimentary IHG Silver Elite status, which grants a 20% bonus on points earned during IHG stays and points that never expire.

When using the card to pay for IHG Hotels & Resorts purchases, you earn up to 17 points per $1 spent. You also collect points on everyday spending, with 3x points on monthly bills, gas stations, and restaurants, and 2x points on all other eligible purchases. Plus, there’s an opportunity to earn an additional 10,000 bonus points each calendar year after spending $10,000.

Cardholders can unlock IHG Gold Elite status after spending $20,000 in a calendar year. This elevated status lasts through December 31 of the following year and boosts your points earnings to 40% more on IHG stays.

If you’re a few points short of your next redemption, the card offers a 20% discount when you purchase IHG points. Even better, you can stretch your points further with the fourth-night-free perk on award stays: Redeem points for 3 nights and enjoy a fourth night at no extra cost.

As you’d expect from a strong travel card, the IHG Traveler card waives foreign transaction fees. Being a Visa card, it’s widely accepted overseas. Cardholders are also covered with valuable everyday and travel coverages, including trip cancellation and interruption insurance, as well as purchase protection.

How To Maximize 120,000 Points

Because of the fourth-night-free benefit, booking 4 nights is often the best way to get the most value from your points.

Here are a few hotels and resorts around the world where you can book a 4-night stay this summer:

• InterContinental Mark Hopkins San Francisco: 115,500 points
• voco Seoul Gangnam: 99,750 points
• Holiday Inn Nashville Downtown – Stadium: 98,250 points
• Kimpton Aluna Resort Tulum: 92,250 points

To check points rates on IHG’s website, select “Rate Preference” and choose “Reward Nights” to see how many points a hotel stay costs.

Final Thoughts

Hotel points can be a great way to offset your accommodation costs while traveling, and IHG One Rewards boasts a diverse portfolio of brands. From luxury InterContinental stays to budget-friendly Holiday Inn nights, the splashy new welcome offer on the IHG Traveler card allows you to travel more for less.