| Category | Rate | Type | Cap |
|---|---|---|---|
|
IHG Hotels and Resorts
Earned on qualifying purchases at IHG Hotels and Resorts. Additional points earned through IHG One Rewards membership base points and Silver Elite status bonus are separate and governed by IHG One Rewards program terms.
|
5x | Points | No cap |
|
Monthly Bills
Earned on qualifying monthly bill payments including utilities, internet, cable, phone, and select subscription services with no annual cap.
|
3x | Points | No cap |
|
Gas Stations
Earned on qualifying gas station purchases with no annual cap.
|
3x | Points | No cap |
|
Restaurants
Earned on qualifying restaurant purchases with no annual cap.
|
3x | Points | No cap |
|
All Other Purchases
Base earn rate on all purchases not covered by a bonus category. Excludes balance transfers, cash advances, fees, and other non-purchase transaction types.
|
2x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The IHG One Rewards Traveler Credit Card carries no annual fee, making it a permanent zero-cost option for IHG loyalists.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States, making the card suitable for international IHG hotel stays and travel spending.
|
Financial | 0% foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to the card for reimbursement of theft and collision damage for most rental vehicles. Coverage is secondary to personal insurance in the U.S. and primary when renting outside your country of residence.
|
Insurance | Secondary CDW coverage (primary abroad) |
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
|
Insurance | 1 additional year of warranty |
|
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents are limited to a 90-day coverage period.
|
Insurance |
Up to $500 per item
Up to $500
|
|
Free Authorized Users
Add authorized users to the account at no additional cost; authorized users earn IHG One Rewards points on their purchases, which are credited to the primary cardmember's IHG One Rewards account.
|
Other | Complimentary |
|
10,000 Bonus Points After $10,000 Annual Spend
Earn 10,000 bonus IHG One Rewards points each calendar year after spending $10,000 on purchases with the card, rewarding ongoing loyalty spending.
|
Rewards | 10,000 bonus points/year after $10,000 spend |
|
20% Savings When Purchasing IHG Points
Save 20% off the standard purchase price when buying IHG One Rewards points directly with the IHG One Rewards Traveler Credit Card.
|
Rewards | 20% off purchased IHG points |
|
2X Points on All Other Purchases
Earn 2 IHG One Rewards points per $1 spent on all other purchases not covered by a bonus category, with no annual cap.
|
Rewards | 2x points |
|
3X Points at Gas Stations
Earn 3 IHG One Rewards points per $1 spent on qualifying purchases at gas stations with no annual cap.
|
Rewards | 3x points |
|
3X Points at Restaurants
Earn 3 IHG One Rewards points per $1 spent on qualifying restaurant purchases with no annual cap.
|
Rewards | 3x points |
|
3X Points on Monthly Bills
Earn 3 IHG One Rewards points per $1 spent on qualifying monthly bill payments, including utilities, internet, cable, phone, and select subscription services.
|
Rewards | 3x points |
|
5X Points at IHG Hotels and Resorts
Earn 5 IHG One Rewards points per $1 spent on qualifying purchases at IHG Hotels and Resorts. Points are in addition to base and elite bonus points earned through the IHG One Rewards program.
|
Rewards | 5x points |
|
Refer-a-Friend Bonus — Up to 50,000 Points Per Year
Earn 10,000 bonus IHG One Rewards points for each friend approved for a participating IHG One Rewards Credit Card through your referral link, up to 50,000 bonus points per calendar year (5 approved referrals).
|
Rewards | 10,000 points per referral, up to 50,000/year |
|
Up to 17X Total Points at IHG Hotels and Resorts
Cardmembers can earn up to 17x total IHG One Rewards points per $1 at participating hotels: 5x from the card, up to 10x base points from IHG One Rewards membership, and up to 2x Silver Elite status bonus points (20% bonus), subject to IHG One Rewards program terms.
|
Rewards | Up to 17x total points |
|
Welcome Bonus — Up to 125,000 IHG One Rewards Points
Earn 90,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening, plus an additional 35,000 bonus points after spending $4,000 total in the first 6 months, for a total of 125,000 bonus points.
|
Rewards | Up to 125,000 bonus points |
|
Contactless Tap to Pay
The card supports contactless payment technology for fast and secure checkout wherever the Contactless Symbol is displayed.
|
Security | Complimentary |
|
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information when reported promptly to Chase.
|
Security | Complimentary |
|
Automatic IHG One Rewards Silver Elite Status
Receive automatic Silver Elite Status in the IHG One Rewards loyalty program each calendar year as a cardmember, with benefits including a 20% bonus points on eligible paid stays, complimentary room upgrades (when available), and early check-in/late checkout (when available).
|
Travel | Complimentary Silver Elite Status |
|
Early Access to IHG Reward Night Sales
As an IHG One Rewards cardmember, receive early access to IHG Reward Night sales each year before they open to the general public.
|
Travel | Exclusive early access |
|
Path to IHG One Rewards Gold Elite Status
Earn automatic IHG One Rewards Gold Elite Status when you spend $20,000 on purchases in a calendar year with the card.
|
Travel | Gold Elite Status after $20,000 annual spend |
|
Spend Instantly — Digital Wallet Access
Upon approval, cardmembers can immediately add their new card to Apple Pay, Google Pay, or Samsung Pay for instant use before the physical card arrives.
|
Travel | Instant card access |
|
Trip Cancellation and Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.
|
Travel |
Up to $5,000 per traveler / $10,000 per trip
Up to $10,000
|
