Chase
IHG Traveler Benefits, Credits & Annual Fee
No annual fee · Earns IHG
The IHG One Rewards Traveler is a no-annual-fee hotel card best for IHG loyalists who want to earn points on everyday spending and redeem them for free nights, including a fourth night free on award stays.
$120/yr in credits · $0 annual fee
Maintained by Creddy Editorial · Catalog checked Sep 14, 2026
IHG Traveler at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Chase
- Rewards:
- IHG
- Credits:
- 1 recurring, up to $120 a year
IHG Traveler Earning Rates
No earning rates listed yet.
Who Should Get the IHG Traveler?
It has no annual fee, so it costs nothing to keep.
Is the IHG Traveler Worth It?
The IHG Traveler has no annual fee. Creddy lists 1 trackable credit worth up to $120 a year if you use it, so anything you use is value on top of your rewards.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
IHG Traveler Welcome Bonus
80,000 IHG points plus 10,000 for adding an authorized user
Offer history
- Sep 780,000 IHG points plus 10,000 for adding an authorized user
- Jun 2580,000 bonus points
- Apr 30125,000 bonus points
Tracked since Oct 2024
IHG Traveler Statement Credits and When They Reset
- Instacart+ Complimentary MembershipEnrollment required
New cardholders can activate a complimentary 3-month Instacart+ membership through their card benefits portal. Instacart+ includes unlimited free delivery on eligible orders. You must activate by December 31, 2027 to claim this benefit.
Checked Jul 4, 2026 - Monthly Instacart Credit$10 / moTrackable
Use your card for Instacart purchases and receive a $10 statement credit each month, up to $120 per year. The credit is applied automatically at checkout via the Instacart app or website. Unused credits expire at the end of each month and do not carry over.
Resets: MonthlyChecked Jul 4, 2026
IHG Traveler Travel Benefits
Travel Benefits
- 20% Discount on IHG One Rewards Points Purchases
Get at least 20% off when you buy IHG One Rewards points using your card. Head to the IHG website, purchase points, and pay with your card to apply the discount automatically. Useful when you're a few points short of a reward night.
Checked Jul 4, 2026 - Fourth Night Free on Award Stays
When you redeem IHG One Rewards points for a stay of four or more consecutive nights, the fourth night is free. This benefit applies automatically at eligible IHG properties, making longer award stays more valuable.
Checked Jul 4, 2026 - Redeem 3 Nights, Get 4th Night Free
The fourth Reward Night is free when you redeem points for any stay of four or more consecutive nights at the same IHG property. Applies to points-only reward night stays.
Checked Sep 14, 2026
Hotel Status
- IHG One Rewards Gold Elite Status via SpendTrackableMin spend $20,000
Earn IHG One Rewards Gold Elite status by spending $20,000 on purchases in a calendar year. Gold Elite perks include a points bonus on IHG stays, room upgrades when available, and early check-in. Status resets each calendar year, so you'll need to re-qualify annually.
Resets: Calendar yearChecked Sep 13, 2026
More IHG Traveler Card Benefits
Bonus Earnings
- 10,000 Bonus Points for Annual Spend10,000 pts / yrTrackableMin spend $10,000
Earn 10,000 bonus IHG One Rewards points after spending $10,000 on purchases in a calendar year. Points post automatically once you hit the threshold - no registration required. The spend window resets each January 1.
Resets: Calendar yearChecked Sep 13, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
Pay no extra fees on purchases charged in a foreign currency or processed outside the U.S. Just use your card abroad as you normally would - no action needed to activate this benefit.
Checked Jul 4, 2026
IHG Traveler vs Other Chase Cards
- Amazon PrimeNo annual fee
- Chase Freedom FlexNo annual fee
- Chase Freedom RiseNo annual fee
- Chase Freedom UnlimitedNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
IHG Traveler FAQs
Is the IHG Traveler Card worth the annual fee?
Compare IHG Traveler's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the IHG Traveler Card?
Chase lists a fourth reward night free on qualifying consecutive four-night points stays, 10,000 bonus points after $10,000 in calendar-year purchases, and Gold Elite status after $20,000 in calendar-year purchases for IHG One Rewards Traveler. It also lists a $10 monthly Instacart credit, up to $120 annually, with an active Instacart+ membership, plus three complimentary months of membership. Instacart benefits end December 31, 2027; membership auto-renews at $99 per year unless canceled. Terms were checked September 26, 2026.
What is the annual fee for the IHG Traveler Card?
Chase lists a $0 annual fee for the IHG One Rewards Traveler Credit Card, checked September 26, 2026. This is separate from paid subscriptions or fees for other IHG credit cards.
Does the IHG Traveler Card come with a welcome bonus?
Welcome offers for IHG Traveler can change and may depend on your application or account history. Check Chase's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the IHG Traveler Card?
IHG Traveler may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the IHG Traveler Card compare to other Chase cards?
Compare IHG Traveler with other Chase cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.