Chase
IHG One Rewards Traveler
What it is
The IHG One Rewards Traveler is a Chase card earning IHG One Rewards points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. The no-fee way into IHG — an easy churn for the welcome bonus with nothing to cancel later. A good first IHG card.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | 125,000$2k · 90d | $738 | $792 | 37% | Apr ’26 |
PUBLIC | 40,000+ 2 free nights$2k · 90d | $708 | $708 | 35% | Jan ’25 |
What you get
- Instacart+ credit$120per year
3mo Instacart+ + $10/mo through 12/31/27 (DoC May 2025). value_cents_msrp=12000 ANNUAL. Reuse instacart_plus_monthly_credit.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| SUB value | +$531 |
| 90,000 IHG × 0.59¢/pt | |
| Ongoing benefits (yr 1) | +$54 |
Instacart+ credit($10/mo × 45%) Instacart+ credit $10/mo × 45% $54 | |
| Annual fee | $0 |
| Year 1 | $585 |
| Return on $2k MSR | 27% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
IHG One Rewards Traveler scores 55 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →