IHG One Rewards Traveler

Sign-up Bonus

80K bonus points after spending $2K in the first 3 months from account opening

5XIHG purchases2.9%

3XDining1.8%

3XGas Stations1.8%

3XSelect streaming services1.8%

3XUtilities1.8%

2XAll other purchases1.2%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Credits & Perks (2)

DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
Instacart: $10 (Monthly)
$10 Instacart credit every month with an active Instacart+ membership through December 31, 2027

Elite Status (2)

Protections (7)

Travel Accident Insurance — up to $500,000 — Up to $500,000 for accidental death or dismemberment when transportation is charged to card
Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses
Baggage Delay — up to $300 — Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
Lost Luggage — up to $3,000 — Up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage
Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per item
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for theft and collision damage on rental vehicles in the U.S.