IHG One Rewards
ChaseNo annual feeWorld MastercardNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer is at the top of its own record.
Already have it? Keep it.
Welcome bonus
125,000points
after $2,000 in purchases in the first 3 months
At its high since February 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus125,000 points at 0.59¢ | $737 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Credits you'll likely useof $240 face value | +$74 |
| Annual fee | $0 |
| Meeting the $2,000 minimumearns 1.18% here vs 2% on Double Cash | −$16 |
| First year | $795 |
| Each year after | +$308 |
Not counted in the first year: status, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Grocery stores | 1.8% |
| 3X | Dining | 1.8% |
| 3X | Gas Stations | 1.8% |
| 3X | Select streaming services | 1.8% |
| 2X | Everything else | 1.2% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 5X | IHG purchases | 2.9% |
| 3X | Utilities | 1.8% |
Noteworthy perks
- Fourth night free on award stays through 12/31/26
- Instacart$120 a year
- DoorDash Grocery/Retail, monthly$120 a year
- IHG One Rewards GoldRequires $15K spend in a calendar year
Personal card · Earns IHG One Rewards
Benefits
Credits & Perks (2)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
$10 Instacart coupon every month with an active Instacart+ membership through December 31, 2027
Elite status (3)
- IHG One Rewards: Silver
- IHG One Rewards: Gold
- IHG One Rewards: 5 elite night credits each year for being a cardholder
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.
Other Perks
- Fourth night free on award stays through 12/31/26
- 30% discount on points purchases
- 10K bonus points after $15K spend in a calendar year
- Complimentary DoorDash DashPass for 12 months (enrollment required)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- Early access to IHG Reward Night sales
The IHG One Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from 125K bonus points after spending $2K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening(Offer Expires 11/18/2026) to 125K bonus points after spending $2K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening (Offer Expires 11/18/2026)Oct 11, 2026
- changed from null to IHG OneOct 8, 2026
- changed from IHG One Rewards Traveler Credit Card to IHG One Rewards Credit CardOct 1, 2026
- changed from IHG Traveler; IHG No Fee to IHG Traveler; IHG No Fee; IHG One Rewards Traveler Credit CardOct 1, 2026
- changed from IHG One Rewards Traveler to IHG One RewardsOct 1, 2026
- changed from Slug: ihg-one-rewards-premier-credit-card; Tier: 2; Tier name: Premier to Slug: ihg-one-rewards-premier-credit-card; Tier: 2; Tier name: Premier; Slug: ihg-one-rewards-premier-select-world-elite-mastercard; Tier: 3; Tier name: Premier SelectOct 1, 2026
- changed from 80K bonus points after spending $2K in the first 3 months from account opening to 125K bonus points after spending $2K in the first 3 months from account opening + earn 10K bonus points after adding an authorized user in the first 3 months from account opening(Offer Expires 11/18/2026)Oct 1, 2026
- changed from null to 2026-11-18Oct 1, 2026
- changed from null to 2000Aug 13, 2026
- changed from null to 90Aug 13, 2026