IHG One Rewards Traveler

Chase · Mastercard · personal · IHG One Rewards

Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.

annual fee · No annual fee. Authorized-user fee not stated on any page fetched (Chase pays 10,000 bonus points for adding one in the first 3 months).

foreign txn fee

$84

credits/yr realistic ($160 face)

$400

sign-up bonus ≈ 80000 points after $2,000/3mo

Earning

IHG (Hotels (booked direct)) "5 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards". Card points only; Chase advertises up to 17X total = 5X card + up to 10X IHG member base + up to 2X Silver Elite bonus on paid stays.	5x	2.5%
Dining & restaurants "dining at restaurants including takeout and eligible delivery services"	3x	1.5%
Gas stations "gas stations"	3x	1.5%
Utilities "utilities" (Chase markets the group as 'monthly bills')	3x	1.5%
Phone, internet, cable "internet, cable, and phone services" (listed in the Chase fine print alongside utilities)	3x	1.5%
Streaming services "select streaming services"	3x	1.5%
Everything else "2X points per $1 spent on all other purchases"	2x	1%

Right column: value per $ at travel valuation (0.5¢/pt).

Credits

$10 Instacart monthly credit /month · medium to use · enrollment required
$10 in-app Instacart credit each month (up to $120/yr) through 12/31/2027 after activating the complimentary 3-month Instacart+ membership (window 5/1/2025-12/31/2027) and paying with the card. Credit is issued on the 1st and expires at month end; primary cardmember only; Instacart+ auto-renews at $99/yr after the free months.
$10 DoorDash non-restaurant credit /quarter · hard to use · enrollment required
Up to $10 off one non-restaurant DoorDash order (grocery, convenience, retail) each quarter through 12/31/2027, applied in the DoorDash app rather than as a Chase statement credit; requires activating the complimentary 12-month DashPass (activation window 02/01/2025-12/31/2027).

Benefits

No annual fee
No foreign transaction fees
Automatic IHG Silver Elite (Gold Elite after $20k/yr spend) — Silver Elite status as long as you remain a Traveler cardmember (20% points bonus on paid stays, points never expire). Spend $20,000 or more in a calendar year to qualify for Gold Elite through December 31 of the following year.
10,000 bonus points after $10,000 annual spend — "Earn 10,000 bonus points each calendar year during which you spend at least $10,000 in purchases."
4th Reward Night free — When you redeem points for a consecutive four-night IHG stay, the fourth Reward Night is free (applies to any 4+ night points stay; unlimited use).
20% off IHG points purchases — At least a 20% discount when you buy IHG One Rewards points with the card, plus early access to IHG Reward Night sales.
DashPass (12 months) and Instacart+ (3 months) — Complimentary DashPass for 12 months (activate 02/01/2025-12/31/2027) and Instacart+ for 3 months (activate 5/1/2025-12/31/2027); both auto-renew at the then-current rate unless cancelled.
Chase Pay Over Time — Split eligible purchases of $100+ into 3-24 month plans for a fixed monthly fee, no interest.
Auto rental collision damage waiver (secondary) — Theft and collision damage on most rental vehicles when you decline the rental company's coverage and charge the full rental to the card; secondary to your personal auto insurance in the U.S.
Trip cancellation / interruption insurance — Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses.
Baggage delay insurance — Up to $100 a day for up to 3 days when checked baggage is delayed more than 6 hours.
Lost luggage reimbursement — Up to $3,000 per covered traveler (NY residents: $2,000 per bag, $10,000 per trip).
Travel accident insurance — Up to $500,000 accidental death or dismemberment coverage when the fare is charged to the card.
Purchase protection — Eligible new purchases covered 120 days (90 days NY) against damage or theft, up to $500 per item.
Extended warranty protection — Extends eligible U.S. manufacturer warranties of 3 years or less by one additional year (up to 4 years total).
Travel and emergency assistance — Legal and medical referrals and emergency service arrangements while traveling; service costs are the cardholder's responsibility.

Protections

purchase protection	120 days from purchase (90 days NY), up to $500 per item against damage or theft
extended warranty	+1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
trip cancellation	Up to $5,000 per covered traveler / $10,000 per trip
baggage delay	Up to $100/day for up to 3 days after a 6+ hour delay
lost luggage	Up to $3,000 per covered traveler (NY: $2,000 per bag, $10,000 per trip)
rental car	secondary
travel accident	Up to $500,000 accidental death or dismemberment

Notes

Chase 5/24 applies. No-annual-fee entry card of the IHG family: no anniversary free night, no Global Entry credit, no United TravelBank cash, no $20k-spend statement credit (those are Premier/Premier Business only). Current structure dates from the March 24, 2022 portfolio refresh (renamed from IHG Rewards Club Traveler; added 3X on dining/gas/utilities/internet-cable-phone/streaming, 2X base, automatic Silver Elite). No fee or earn-rate changes found for 2025-2026; the only additions are the DoorDash (from 02/01/2025) and Instacart (from 5/1/2025) partner perks running through 12/31/2027, whose credits post in the partner apps rather than as Chase statement credits. Bonus categories are uncapped. No trip delay or roadside coverage listed on Chase's protection page. IHG points redeem only within IHG (Reward Nights, 4th night free); no airline transfer partners worth using.

Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8