IHG Traveler

Earn up to 125,000 bonus IHG One Rewards points in two stages: 90,000 points after spending $2,000 in the first 3 months, plus an additional 35,000 points when total spending reaches $4,000 within the first 6 months of account opening.

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.

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.

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.

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.

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.

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.

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.