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Chase · credit
Last updated
Welcome offer — Offer varies — typically up to 125,000 points after qualifying spend Estimated by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 17× | IHG Hotels & Resorts stays — Combined base + status + card earn Inferred by source |
|---|---|
| 3× | Monthly bills, gas stations & restaurants Inferred by source |
| 2× | Everything else Inferred by source |
No lounge access.
| IHG One Rewards Silver Elite status | Automatic Silver while a cardmember; Gold at $20k annual spend Inferred by source |
|---|---|
| Fourth night free on awards | On award stays of 4+ nights Inferred by source |
| Baggage | Baggage delay protection Estimated by source |
|---|
Using IHG One Rewards Traveler at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The IHG One Rewards Traveler Credit Card has no annual fee.
The IHG One Rewards Traveler Credit Card earns 17x on ihg hotels & resorts stays, 3x on monthly bills, gas stations & restaurants, 2x on everything else.
No — the IHG One Rewards Traveler Credit Card does not include airport lounge access.
No — the IHG One Rewards Traveler Credit Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically up to 125,000 points after qualifying spend. Welcome offers change frequently — confirm the current one on the issuer's page before applying.