IHG One Rewards Credit Card
- Best for: Guests who stay at IHG hotels a few nights a year and won’t pay an annual fee
- What Sets It Apart: No annual fee; every fourth night free on stays booked with points, after $5,000 in yearly purchases from 2027; points that don’t expire while you hold the card
- Cost: $0 annual fee; no foreign transaction fees; 19.49% to 27.99% variable APR
- Features: 5 points per $1 at IHG hotels; 3 per $1 at restaurants, gas stations, and grocery stores; 2 per $1 on most other purchases; automatic Silver Elite status; 5 elite night credits a year; Gold Elite and 10,000 points after $15,000 in purchases in a calendar year; trip cancellation coverage up to $5,000 per traveler
- Pros: No annual fee; 3 points per $1 on dining, gas, and groceries; points that don’t expire while you hold the card
- Cons: No anniversary free night; fourth night free takes $5,000 in purchases a year from 2027; 3 points on utilities, internet, phone, and streaming ends after 2026
Get the IHG One Rewards Credit Card if you stay at IHG hotels a few nights a year and want points and Silver Elite status without an annual fee. Once you’d use a free night each year on a room that costs more than $150, the $150 IHG Premier card pays you more.
Chase’s no-annual-fee card for Holiday Inn, Crowne Plaza, InterContinental, and IHG’s other hotels was called the IHG One Rewards Traveler Card until October 2026. Its points go to your IHG One Rewards account, where you redeem them for reward nights rather than cash.
Key Features
- $0 annual fee, no foreign transaction fees, and a 19.49% to 27.99% variable interest rate (APR) on purchases
- 5 points per $1 at IHG hotels, 3 at restaurants, gas stations, and grocery stores (not warehouse clubs or discount stores), and 2 on most other purchases
- Automatic Silver Elite status, which adds 20% to the points IHG awards for stays, and 5 elite night credits a year, counted as nights toward higher tiers
- Gold Elite status and a 10,000-point bonus in any calendar year with $15,000 in purchases
- Every fourth night free on standard-room stays of four nights or more booked with points
Pros
- A 125,000-point welcome offer for $2,000 in purchases in your first 3 months, open to anyone without a personal IHG card or a bonus on one in 24 months
- Points that never expire while you hold the card, because Silver Elite members’ points don’t
- Trip cancellation coverage up to $5,000 per traveler on travel paid with the card
Cons
- No anniversary free night, which the $150 IHG One Rewards Premier Credit Card adds at hotels costing up to 50,000 points
- From 2027, the fourth night free needs $5,000 in purchases in a calendar year, and then lasts through the next year
- Utilities, internet, phone, and select streaming services earn 3 points per $1 only on purchases posted through Dec. 31, 2026, then 2
Guests who stay at IHG hotels a few nights a year get Silver status and 5 points per $1 on those stays for $0 a year. Anyone spending one night a year at an IHG hotel that charges over $150 in cash but no more than 50,000 points should get the Premier, since its anniversary night alone covers the $150 fee.
Learn more about the IHG One Rewards Credit Card or see how it compares to the best hotel rewards credit cards.
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