Current offer
Earn 125,000 points
After spending $2,000 in the first 3 months from account opening. Offer terms apply.
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Current offer
Earn 125,000 points
After spending $2,000 in the first 3 months from account opening. Offer terms apply.
The point.me verdict
The IHG One Rewards Traveler Credit Card is the no-annual fee way to unlock IHG's fourth-night-free on award stays, making it a natural fit if you're already IHG points-rich. Earn rates are decent and, unlike Hilton's no-annual fee card, its bonus categories aren't US-restricted. Catch: a $0 annual fee means thin benefits and only entry Silver status.
What we love
- $0 annual fee
- Fourth-night-free on award stays, ideal if you're IHG points-rich
- Decent bonus categories that aren't US-restricted
What we don't
- Only entry Silver status and thin benefits, as expected at no annual fee
- Starting in 2027, you need to spend $5,000 on the card in a calendar year to unlock the fourth-night-free benefit
IHG One Rewards
IHG One Rewards points can be redeemed across every IHG One Rewards-participating brand, including Kimpton and InterContinental, among many others. It stands out as one of the largest hotel loyalty programs in the world, with more than 7,000 properties spanning the globe, which makes it especially easy for members to find a place to stay and redeem their points almost anywhere they travel.
Rewards on this card
- 17xIHG Hotels & Resorts staysAdvertised total; includes loyalty-program base earn. Up to 17 total points per $1 spent
- 3xDining
- 3xGrocery stores
- 3xGas stations
- 2xAll other eligible purchases
Card Benefits
Discover the perks included with this card, on top of what you earn.
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Silver Elite Status
Automatic Silver Elite status as long as you remain an IHG One Rewards cardmember.
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Elite Night Credits
Enjoy 5 Elite Night Credits annually.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
191,600 pts ≈ $1,150
Your first year in annual value