IHG One Rewards Traveler Credit Card
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How we calculate effective rate →
The IHG One Rewards Traveler Credit Card from Chase earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the IHG One Rewards Traveler Credit Card earn in each category?
Dining is the strongest category at 1.5% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Traveler Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Dining is the strongest category at 1.5% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how IHG One Rewards Traveler Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 1.5% |
| Gas Gas stations and fuel | 3x points | 1.5% |
| Travel Flights, hotels, transit | 3x points | 1.5% |
| Other General everyday spend | 3x points | 1.5% |
Madeen values IHG One Rewards at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the IHG One Rewards Traveler Credit Card reward caps and conditions?
The IHG One Rewards Traveler Credit Card has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3X total points on dining
- Earn 3X total points at gas stations
- Earn 3X total points on select streaming services
Who should get the IHG One Rewards Traveler Credit Card?
The IHG One Rewards Traveler Credit Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
IHG One Rewards Traveler Credit Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Multiple caps, activations, or exclusions may limit headline earn rates.
- IHG One Rewards value depends on how you redeem, not straight cash back.
What is the IHG One Rewards Traveler Credit Card welcome bonus?
In Madeen's catalog snapshot, the IHG One Rewards Traveler Credit Card welcome offer is Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000.
- Offer
- 90k IHG One Rewards (~$450 estimated)
- Terms (catalog snapshot)
- Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
- Minimum spend
- $2,000
- Window
- 3Months
Does the IHG One Rewards Traveler Credit Card have an annual fee?
The IHG One Rewards Traveler Credit Card has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the IHG One Rewards Traveler Credit Card?
The IHG One Rewards Traveler Credit Card includes Annual Bonus Spend, Baggage Delay Insurance, Complimentary Instacart+ Membership in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Trip Interruption Insurance
$5,000/yrIf your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Related encyclopedia topics
What annual spend bonuses does the IHG One Rewards Traveler Credit Card offer?
- Earn 10,000 bonus points after spending $10,000 on purchases each calendar year.
- Gold Elite Status - Earn IHG® Rewards Gold Elite Status after you spend $20,000 on purchases each calendar year
Common questions about the IHG One Rewards Traveler Credit Card
Where do cardholders spend most with the IHG One Rewards Traveler Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), tv and movies (3x), coffee (3x) for the IHG One Rewards Traveler Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the IHG One Rewards Traveler Credit Card worth it?
The IHG One Rewards Traveler Credit Card from Chase earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a.
Does the IHG One Rewards Traveler Credit Card have an annual fee?
The IHG One Rewards Traveler Credit Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the IHG One Rewards Traveler Credit Card?
Dining is the strongest Madeen category for the IHG One Rewards Traveler Credit Card at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the IHG One Rewards Traveler Credit Card charge foreign transaction fees?
The IHG One Rewards Traveler Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the IHG One Rewards Traveler Credit Card welcome bonus?
The IHG One Rewards Traveler Credit Card welcome offer in our snapshot: Earn up to 125,000 Bonus Points - earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points..
How does the IHG One Rewards Traveler Credit Card compare to similar cards?
Compare the IHG One Rewards Traveler Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
IHG One Rewards Traveler Credit Card This card | Dining | 1.5% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure