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IHG® Rewards Traveler Credit Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Interest Rate: Purchases
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (Variable)
Balance Transfer
16.74% ‐ 23.74% (Variable)
Rewards
2 - 5 points
Rewards
2 - 5 points
Signup Bonus
120000 points (after spending $2,000)
Signup Bonus
120000 points (after spending $2,000)


7.2/10
Informr score
The IHG® Rewards Traveler Credit Card currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 14 sources including reviews from users and the web's most trusted critics.

Am I eligible?


IHG® Rewards Traveler Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


One Mile at a Time
One Mile at a Time

The no annual fee IHG Traveler Card offers an excellent welcome bonus of 120,000 points, plus valuable perks, like a fourth night free and IHG Silver status. This isn’t a card I would put much spending on, though, as there are more rewarding cards for everyday spending. Personally, I think the bette...

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

The IHG Rewards Traveler Credit Card isn’t a bad option. For no annual fee, you’ll get a 2.5% return at IHG hotels and resorts and a few IHG-related perks. But, even if you don’t stay with IHG frequently, you’ll likely do better with the IHG Rewards Premier Credit Card due to the anniversary night e...

- Madison Blancaflor, The Points Guy
FinanceBuzz
FinanceBuzz

The IHG Rewards Traveler Credit Card is a great card for someone who wants to earn hotel points and have travel insurance coverages without paying an annual fee.

- Brett Holzhauer, FinanceBuzz
ValuePenguin
ValuePenguin

The IHG® Rewards Traveler Credit Card features a solid rewards rate on IHG hotel purchases. Most travelers will get better value from this card's bigger brother the IHG® Rewards Premier Credit Card—which features an excellent rewards rate and valuable IHG-specific benefits—or a no-annual-fee cash ba...

- Bailey Peterson, ValuePenguin
Upgraded Points
Upgraded Points

Earn big when staying an IHG hotel, plus earn bonus points at gas stations, grocery stores, and restaurants – all without an annual fee. 

- Alex Miller, Upgraded Points

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 23.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 23.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 120000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 2 points per $1 spent
Restaurants 3 points per $1 spent
Gas 3 points per $1 spent
Groceries No
Hotels 5 points per $1 spent
  • Plus up to 10X points from IHG® for being an IHG® Rewards member.
  • Plus up to 2X points from IHG® with Silver Elite Status, a benefit of this card.
Travel No
Pharmacy No
Bills No
Additional Details
  • 3 points per $1 spent on utilities and select streaming services
  • Earn IHG® Rewards Gold Elite Status after you spend $20,000 on purchases and make one additional purchase each calendar year.
  • Plus, earn 10,000 bonus points after spending $10,000 on purchases and making one additional purchase each calendar year.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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