IHG One Rewards Traveler Card
Basic Information
Program ID: ihg-one-rewards-traveler-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Traveler
Data Complete: Yes
Created: 01/07/2026 12:10
Last Scraped: 01/15/2026 07:19
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $80,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: IHG One Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x IHG Hotels & Resorts, 2x Gas Stations, 2x Restaurants, 2x Utilities
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the card account is active and in good standing.
Transfer Partners: N/A (primarily for IHG stays)
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
- Hotel Status: IHG One Rewards Silver Elite
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 0
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 20% IHG Co-brand / 80% General Spend
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0