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IHG® Rewards Traveler Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Interest Rate: Purchases
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
Balance Transfer
20.24% ‐ 27.24% (Variable)
2 - 5 points
2 - 5 points
Signup Bonus
120000 points (after spending $2,000)
Signup Bonus
120000 points (after spending $2,000)

Informr score
The IHG® Rewards Traveler Credit Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 15 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...


The Chase IHG Rewards Traveler Credit Card has no annual fee. Therefore, it is worth considering if you want to earn points to redeem in high-end IHG hotels and resorts without having to pay the annual fee some of its competitors charge.

- Alene Laney, MoneyGeek

With no annual fee and no foreign transaction fees, it's hard not to like the IHG® Rewards Traveler Credit Card if you're loyal to the IHG® brand. While it may not offer much benefit to someone who never stays at IHG® properties, it really is a solid choice for someone who prefers IHG® stays.

- Jennifer Doss,

The Rewards Traveler Credit Card is best for those who are already loyal to the IHG brand or are interested in earning future stays with them in the form of free reward night certificates. It’s probably best for people who intend to travel to where IHG properties are located, a minimum of multiple t...

- Sarah Li Cain, SlickDeals
Upgraded Points
Upgraded Points

The IHG Traveler card will be most worth it to those who are looking to earn more IHG Rewards points during their stays, along with receiving a few card benefits, all without an annual fee. Since the card earns 5x points per $1 on IHG stays, in addition to the 12x points per $1 you’ll earn as an IHG...

- Jarrod West, Upgraded Points

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


Interest Rates
Regular APR Interest Rate 20.24% ‐ 27.24% (Variable)

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

Balance Transfer Interest Rate 20.24% ‐ 27.24% (Variable)

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

Cash Advance Interest Rate 29.24% (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


Sign up bonus 120000 points after spending $2,000

On purchases within the first 3 months.

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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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