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 — grab the welcome bonus with nothing to cancel later. Still earns automatic Silver status and a free 4th night on award stays of four-plus nights. 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 | 80,000$2k · 90d | $472 | $524 | 26% | Apr ’26 |
PUBLIC ATH | 125,000$4k · 180d | $738 | $790 | 20% | Apr ’26 |
PUBLIC | 40,000+ 2 free nights$2k · 90d | $708 | $712 | 36% | Jan ’25 |
What you get
- Instacart+ credit$120per year
Up to $10 a month in Instacart credit plus a complimentary 3-month Instacart+ membership, through December 31, 2027.
- IHG Silver status$10per year
Automatic IHG One Rewards Silver Elite status the whole time you hold the card.
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
standard values| SUB value | +$472 |
| 80,000 IHG × | |
| Benefits (Year 1) | +$52 |
↳ $130 at sticker value — before custom valuations Instacart+ credit($10/mo × ) Instacart+ credit $10/mo × ends Dec 2027 $48 IHG Silver status($10 × ) IHG Silver status $10 × ~$4 | |
| Annual fee | $0 |
| Year 1 | $524 |
| Return for spending $2k | 26% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
IHG One Rewards Traveler scores 36 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →