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IHG One Rewards Traveler Credit Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Interest Rate: Purchases
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
Balance Transfer
21.49% ‐ 28.49% (Variable)
Rewards
2 - 5 points
Rewards
2 - 5 points
Signup Bonus
100000 points (after spending $2,000)
Signup Bonus
100000 points (after spending $2,000)


7.4/10
Informr score
The IHG One Rewards Traveler Credit Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


IHG One 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 is offering an excellent limited-time welcome bonus of 100,000 points and valuable perks, like a fourth night free and IHG Silver status. This isn’t a card I would spend much on, though, as there are more rewarding cards for everyday spending. Personally, I think...

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

The IHG One Rewards Traveler Credit Card isn't a bad option. You'll get a 2.5% return at IHG hotels and resorts and a few IHG-related perks for no annual fee. For travelers who infrequently visit IHG properties but want access to the fourth-night-free benefit, this is a solid addition to your wallet...

- Katie Genter, Chris Nelson, The Points Guy
SlickDeals
SlickDeals

Whether your family is looking for some free hotel nights for a road trip or you’re a loyal customer of the IHG hotel brand, this card offers you a chance to earn decent rewards. Aside from its generous sign-up bonus, it offers tons of value, including the option to redeem points at all IHG properti...

- Sarah Li Cain, SlickDeals
CreditCards.com
CreditCards.com

The IHG One Rewards Traveler card is a decent card for IHG loyalists, but it doesn’t offer much in the way of perks.

- Emily Sherman, CreditCards.com
The Ascent
The Ascent

Packs in a great sign-up bonus and no annual fee, but the perks mostly stop there. Unlike the annual fee version, this card doesn't have automatic elite status or an annual free night award.

- Brittney Myers, The Ascent

Details


Interest Rates
Regular APR Interest Rate 21.49% ‐ 28.49% (Variable)

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

Balance Transfer Interest Rate 21.49% ‐ 28.49% (Variable)

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

Cash Advance Interest Rate 30.24% (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

Maximum

Promotions
Sign up bonus 100000 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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Terms & Conditions Official Terms & Conditions
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