Chase
IHG One Rewards Traveler Credit Card
Annual Fee
$0
Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 5x on hotels (catalog median is 1.5x)
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$273/yr
$273 rewards
#64 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$308/yr
$308 rewards
#64 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$373/yr
$373 rewards
#66 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
2x
Gas
3x
Flights
2x
Hotels
5x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
3x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
3x
Fast Food
3x
Home Utilities
3x
Internet
3x
Walmart
2x
Point value: 0.5 cents per point
The Fine Print That Changes the Math
No annual fee. 5x at IHG hotels; 3x at restaurants, gas stations, and on utilities, internet, cable, phone and select streaming; 2x everything else. Fourth reward night free.
IHG One Rewards Traveler Credit Card FAQ
What is the IHG One Rewards Traveler Credit Card annual fee?
The IHG One Rewards Traveler Credit Card has no annual fee.
What are the best spending categories for the IHG One Rewards Traveler Credit Card?
5x on hotels, 3x on dining, 3x on fast food. Everything else earns 2x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.