IHG One Rewards Traveler Credit Card Review (2026.4 Update: 125k Offer)
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2026.4 Update: The new offer is 125k: 90k IHG points after $2000 spend in the first 3 months and 35k more points after a total of $4000 spend in the first 6 months. The is the highest points offer on this card.
2026.1 Update: The new offer is 120k. Offer expires on 2026.3.18. [2026.3 Update] The higher offer is expired. The current offer is only 80k.
2025.9 Update: The new offer is 2FN (up to 50k) + 40k. [2025.10 Update] The higher offer is expired. The current offer is only 80k.
2025.5 Update: The new offer is 120k. [Expired]
Application Link
Benefits
- 125k offer: earn 90,000 IHG points after spending $2,000 in the first 3 months and 35,000 more points after a total of $4,000 spend in the first 6 months. This is the best offer on this card.
- IHG points are valued around 0.5 cents (Hotel Points Value). So the 125k offer is worth about $625.
- Earn 5x points at IHG property; earn 3x points at dining, gas station, and monthly bills (utilities, cable, internet, phone,
cell and select streaming services); and earn 2x point on other purchases. - Earn 10,000 bonus points after spending $10,000 and making one additional purchase each calendar year.
- 20% off 20% on when you purchase IHG points with your card.
- Redeem 3 nights, get the 4th night free.
- Complimentary IHG Silver Membership as long as you have this card. Get IHG Gold Membership if you spend $20k.
- No foreign transaction fee.
- No annual fee.
Recommended Application Time
- [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
- This product is available to you if you do not have a current IHG Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account. This does not apply to Business Card Credit Card products.
- Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
- We recommend you to apply for this card after you have a credit history for more than a year.
Summary
The $99 annual fee version IHG Premier card has higher bonus and gives you a free night every year, so it is more recommended to apply for the IHG Premier card if you are interested in IHG hotels. This IHG traveler card has no annual fee, so it is a good downgrade option.
Related Credit Cards
| Chase IHG Traveler | Chase IHG Premier | Chase IHG Premier Business | |
|---|---|---|---|
| Annual Fee | $0 | $99 | $99 |
| Free Night | none | up to 40k | up to 40k |
After Applying
- Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
Historical Offers Chart 
Application Link
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