The IHG Rewards Club Traveler is the no-annual-fee way into IHG, and its current 125,000-point signup bonus after $2,000 in spending over three months is the main reason to open it, back up from the 80,000 it dipped to over the summer. Ongoing earn is solid for a free card: 5x at IHG hotels, 3x on dining, gas, and groceries, and 2x on everything else. Automatic Silver Elite status and 5 Elite Night Credits each year are modest perks, while Gold Elite status takes $15,000 in calendar-year spending. The tradeoffs are timing related: the 4th reward night free becomes a $5,000 spending requirement starting in 2027, and the 3x on utilities, phone and internet, and streaming falls to 2x after December 31, 2026. There is no anniversary free night here, so frequent IHG guests will likely get more from the Premier.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Up to 17x total points at IHG hotels | 5x |
Dining | 3x |
Gas | 3x |
Groceries Grocery stores | 3x |
Utilities Utilities; 3x through December 31, 2026, then 2x Through Dec 31, 2026 | 3x |
Phone Services Internet, cable, and phone services; 3x through December 31, 2026, then 2x Through Dec 31, 2026 | 3x |
Streaming Select streaming services; 3x through December 31, 2026, then 2x Through Dec 31, 2026 | 3x |
Everything Else | 2x |
| Benefit | Value |
|---|---|
Points Purchase Discount Save at least 30% when you purchase IHG One Rewards points with this credit card. | 30% |
DoorDash Non-Restaurant Promo $10 off one non-restaurant DoorDash order each month through Dec 31, 2027 while enrolled in the Chase DashPass membership. Applies to DashPass activations on or after Sep 1, 2026; earlier activations get $10 off each quarter. | $10 /mo |
Instacart Credit Receive a $10 Instacart credit monthly (up to $120 annually) plus a complimentary 3-month Instacart+ membership; an active Instacart+ membership is required, and benefits end 12/31/27. | $10 /mo |
| Total annual credits | $240 |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |