IHG One Rewards Traveler Card

Chase Visa Traveler Pending

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Benefits

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Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ihg-one-rewards-traveler-card

Issuer: Chase

Card Name: IHG One Rewards Traveler Card

Card Type: Credit

Network: Visa

Card Tier: Traveler

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 12:10

Last Scraped: Jan 15, 2026 07:19

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: IHG One Rewards Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x IHG Hotels & Resorts, 2x Gas Stations, 2x Restaurants, 2x Utilities

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as the card account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A (primarily for IHG stays)

Redemption Penalties: None (subject to award night availability)

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Hotel Status: IHG One Rewards Silver Elite

Sign-Up Bonus
PENDING

80,000

Points/Miles

Requirement: Spend $2,000 in 90 days

Timing: Bonus points typically post to your IHG One Rewards account within 6 to 8 weeks after you have met the spending requirement. However, points often appear much sooner, sometimes within 48-72 hours of the statement closing date following the fulfillment of the requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the IHG One Rewards Traveler Card is subject to Chase's general application rules and creditworthiness assessment. Key rules for 2026 are expected to include: 1. **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit cards across all issuers in the past 24 months to be approved for this card. 2. **Welcome Bonus Eligibility**: You are generally not eligible for the new cardmember welcome bonus if you currently have the IHG One Rewards Traveler Card or have received a new cardmember bonus for this specific card in the past 24 months. 3. **Application Velocity**: Chase typically does not approve applicants for more than two personal credit cards within a 30-day period. 4. **Total Credit Limit**: Approval is also subject to Chase's assessment of your overall creditworthiness and the total credit extended to you across all your Chase accounts. Chase may deny new applications or reallocate credit from existing cards if your total credit limit is deemed too high relative to your income. 5. **Maximum Cards Per Issuer**: There is no explicitly published maximum number of credit cards one can hold with Chase. However, practical limits exist based on total credit extended and individual credit profile, which can lead to denials for new applications if Chase deems the total credit exposure too high.

Max Cards Per Issuer: 0

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across all Chase cards relative to income, sudden large spending on new cards inconsistent with past behavior, defaulting on payments, suspicious activity, applying for too many cards too quickly (beyond 5/24 and 2/30 rules), or repeated abuse of welcome bonus offers.

Cliff Effect Rules: Eligibility for the welcome bonus on the IHG One Rewards Traveler Card is generally independent of holding other distinct IHG co-branded cards (e.g., IHG One Rewards Premier Card, IHG One Rewards Business Card), meaning you can typically earn a bonus on each distinct IHG product. However, you are usually restricted from receiving a bonus for the *same* specific card if you currently hold it or have received its bonus in the last 24 months.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
No annual fee, automatic Silver Elite status, and the fourth night free on award stays are excellent perks for IHG loyalists. Good earning on IHG hotel stays.

Top Negative:
Earning rates on non-IHG spend are mediocre, Silver Elite status is very basic, and point redemption value can be inconsistent. Not ideal for general travel outside of IHG properties.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred
  • Capital One VentureOne Rewards Credit Card
  • Marriott Bonvoy Boundless Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $90.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0