Card Benefits
IHG One Rewards Traveler credit card
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IHG One Rewards Traveler

No annual fee
Up to $8,620 in tracked credits
Visit issuer site

20 benefits

DoorDash Quarterly Credit

$10

$10 off quarterly on non-restaurant DoorDash orders.

dining
Current QuarterEnrollment required

Baggage Delay Insurance

$100

Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.

insurance
Current Period

Lost Luggage Reimbursement

$3,000

Reimbursement up to $3,000 per covered traveler for lost, damaged or stolen checked or carry-on baggage.

insurance
Current Period

Purchase Protection

$500

Covers eligible new purchases for 120 days against damage or theft up to $500 per item.

insurance
Current Period

Trip Cancellation and Interruption Insurance

$5,000

Reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses.

insurance
Current Period

DoorDash DashPass

One-year complimentary DashPass membership for DoorDash and Caviar.

lifestyle
Current PeriodEnrollment required

2x Points on All Other Purchases

Earn 2X points per $1 spent on all other purchases.

rewards
Current Period

3x Points on Dining, Utilities, Streaming, and Gas

Earn 3X total points on dining, utilities, select streaming services, and at gas stations.

rewards
Current Period

5x Points on IHG Hotels

Earn 5X points per $1 spent on qualifying purchases at hotels participating in IHG One Rewards.

rewards
Current Period

Annual Spend Bonus

Earn 10,000 bonus points after you spend $10,000 each calendar year.

rewards
Current Year

Authorized User Bonus

Earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.

rewards
Current Period

Welcome Bonus: Points

Earn 80,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening.

rewards
Current Period

Discount on Points Purchases

Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

rewards
Current Period

Instacart+ Membership

Complimentary 3-month Instacart+ membership.

shopping
Current PeriodEnrollment required

Instacart Credit

$10

$10 monthly Instacart credit.

shopping
Current MonthEnrollment required

Automatic Silver Elite Status

Automatic Silver Elite Status as long as you remain an IHG One Rewards Traveler Cardmember.

travel
Current Period

Early Access to IHG Reward Night Sales

As an IHG One Rewards Cardmember, you are eligible for early access to Reward Night sales each year.

travel
Current Year

Gold Elite Status

Qualify for Gold Elite Status each calendar year you make purchases totaling $20,000 or more.

travel
Current Year

No Foreign Transaction Fees

No foreign transaction fees on purchases made outside the United States.

travel
Current Period

4th Night Free

Redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.

travel
Current Period

Benefit data is kept current by a weekly scrape of Chase's own page — not affiliated with or endorsed by Chase.