IHG One Rewards Traveler
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 80,000 bonus points after spending $2,000 in the first 3 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.
Earning Rates
At a glance
- 4th night free on awards
- 17x at IHG
- No annual fee
- Silver status
Earning rates
4- 17xlodging
Up to 17X total points per $1 spent at IHG Hotels and Resorts worldwide: 5X base from the Traveler card on IHG purchases + 10X from IHG One Rewards as a base member + 2X from IHG for automatic Silver Elite status (Silver Elite delivers a 20% bonus on the 10-point member base, which equals an additional 2 points per $1 on standard IHG brands; lower-earning IHG brands such as Candlewood Suites, Staybridge Suites, IHG Army Hotels, Vignette, and Iberostar use lower IHG base rates with the proportionate 20% Silver Elite bonus applied, which is why Chase publishes the stack as 'up to 17X')
- 3xdining
Earn 3X total points per $1 spent on dining at restaurants including takeout and eligible delivery services, gas stations, utilities (electricity, gas, water), internet/cable/phone services, and select streaming services (this 3X bundle is unusually broad for a no-annual-fee hotel cobrand and is the Traveler tier's signature differentiator vs. the IHG Premier's 5X on travel/gas/dining)
- 2xeverything else
Earn 2X points per $1 spent on all other purchases (no caps on the 17X / 3X / 2X earn tiers, and IHG One Rewards points earned on the card post to the cardmember's IHG One Rewards account after each billing cycle)
- 2xtravel
Automatic IHG One Rewards Silver Elite status for as long as the Traveler card account remains open and the cardmember's IHG One Rewards membership remains in good standing (Silver Elite is IHG's first published elite tier and delivers a 20% bonus on base IHG points, the 2X earn add-on inside the 17X stack at IHG, plus published Silver-tier perks like priority check-in)
Statement credits
1- $100Chase Pay Over Time / My Chase Plan
Chase Pay Over Time / My Chase Plan: eligible Traveler purchases of $100 or more can be split into fixed monthly payments with a fixed monthly fee and no interest, giving cardmembers an installment option without applying for a new credit product
Perks & memberships
7- Elite statusSpend-based IHG One Rewards Gold Elite Status fast-track: each calendar year you make $20,000 or more in purchases on the card, the primary cardmember qualifies for IHG One Rewards Gold Elite Status through December 31 of the following year (Gold Elite is the second IHG elite tier and a meaningful upgrade over the Silver Elite baseline; the fast-track to Gold via $20K spend is unique to the Traveler card)
- Elite statusSpend-based bonus: earn 10,000 bonus IHG One Rewards points each calendar year during which you spend at least $10,000 in purchases on the card ('calendar year' here means January 1 through December 31; this 10K bonus stacks with the Gold Elite fast-track threshold at $20K spend)
- Award discountSave 20% on IHG One Rewards points purchases when purchased with the Traveler card (useful for topping off an account before booking a high-cost IHG award; combined with the 4th-Night-Free benefit, this can materially lower the cash cost of a long stay at top-tier IHG properties like InterContinental, Six Senses, Regent, or Vignette)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (no FX markup on the standard 1% network fee; Chase explicitly markets this on the Traveler product page with the example that spending $5,000 internationally avoids about $150 in FX fees vs. a card with a 3% FX surcharge)
- Points longevityIHG One Rewards points never expire as long as there is qualifying activity on the IHG One Rewards account at least once every 12 months; ongoing Chase Traveler purchases automatically count as qualifying activity (so an active Traveler cardmember effectively has a points balance that does not expire)
- Elite statusAuthorized users can be added at no annual fee, and their qualifying purchases earn IHG One Rewards points on the primary cardmember's account; authorized-user spend also counts toward the $10,000 and $20,000 calendar-year spend thresholds that trigger the 10K bonus and the Gold Elite fast-track
- Elite statusPositioned as the best no-annual-fee on-ramp into IHG One Rewards: cross-referenced via The Points Guy and One Mile at a Time card reviews, the Traveler is widely recommended for casual IHG stayers who do not stay enough nights to justify the $99 Premier annual fee but still want the 4th-Night-Free benefit and automatic IHG elite status
Travel & purchase protections
3- Trip Cancellation and Interruption Insurance: reimbursement for pre-paid, non-refundable common carrier fares and tour deposits up to $5,000 per covered traveler and $10,000 per trip when a trip is canceled or cut short due to a covered reason such as covered illness, severe weather, or jury duty, when the trip is charged to the card
- Baggage Delay Reimbursement: up to $100 per day for up to 3 days to cover essential purchases such as toiletries and clothing when checked baggage is delayed more than 6 hours by a passenger carrier (matches the Premier's baggage delay terms despite the $0 vs. $99 AF gap)
- Lost Luggage Reimbursement: up to $3,000 per covered traveler for checked or carry-on baggage lost, damaged, or stolen during a covered trip booked on the card, with a per-bag sub-limit of $2,000 and an aggregate cap of $10,000 for all covered travelers per trip
More benefits & fine print (1)ShowHide
- Early access to IHG Reward Night sales for cardmembers (Chase + IHG periodically run flash sales on IHG award nights, and Traveler cardmembers receive an early-booking window before the sale opens to the general IHG One Rewards membership)
Before you decide, weigh alternatives
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How to Earn the Bonus
Spend $2,000 in the first 3 months to earn the 80,000 points bonus.
See the Current Offer
Earn 80,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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