IHG One Rewards Traveler Credit Card
Chase's No-Fee IHG Hotel Card
Annual Fee
$0
Earning Rate
5x IHG hotels • 3x dining • 3x gas • 3x utilities & select streaming • 2x everything else
Welcome Bonus
2 Free Nights + 40,000 points after $2,000 spend in 3 months
Card Material
Plastic card with matte finish
Practical Recommendation
This is the easy keeper if you stay with IHG a couple of times a year and like booking awards. The fourth night free on point stays is the headliner, and Silver status comes baked in. You'll earn 3x on dining, gas, utilities, and select streaming with no annual fee.
If you want an annual free night certificate and richer hotel perks, the $99 Premier is the step up. If you just want a no-hassle IHG card to pair with points sales and occasional stays, this nails it.
Perks
- Earning details (plain English) – 5x at IHG hotels; 3x on dining, gas, utilities, and select streaming; 2x everything else; up to 17x total at IHG when you include member + Silver bonuses.
- Fourth night free on awards – Book 4+ award nights with points and the 4th night costs zero points; discount applies automatically online. Great for longer stays.
- Automatic Silver Elite – Ongoing Silver status while you hold the card; hit $20,000 in a calendar year for Gold. Small perks like bonus points and late checkout (when available).
- 10,000 bonus points each calendar year – Earned after $10,000 in purchases; nice boost on a no-fee card.
- 20% off purchased points – Discount when buying IHG points with this card; handy to top off for awards (do the math vs cash rates).
- No foreign transaction fees – Use abroad without extra issuer fees (acceptance depends on merchant/network).
Protections
- Trip cancellation/interruption – Reimburses prepaid, non-refundable expenses for covered events (illness, severe weather, etc.). Good safety net for paid bookings.
- Baggage delay – Reimburses essentials after a covered delay (e.g., clothes, toiletries) up to daily limits. Useful on missed-connection days.
- Lost luggage – Reimburses for lost or stolen baggage up to stated limits; secondary to carrier coverage.
- Purchase protection – Covers new items against damage/theft for a limited window; good for gadgets and small appliances.