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IHG One Rewards Traveler Credit Card
A lighter-weight IHG card for travelers who want hotel points and occasional IHG stays without paying an annual fee.
Last verified Apr 3, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if travel and dining is already in your budget and the card perks match your routine.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
N/A
Needs a listed spend threshold
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Travel
5x
Eligible IHG hotel purchases with the card.
Dining
3x
Gas
3x
Credits And Perks
What actually offsets the fee
IHG Award-Night Perks
IHG co-brand cards are built around hotel-program value such as elite-style perks and award-night enhancements on eligible stays.
No Annual Fee
You can keep the card long term without paying a recurring annual fee.
No Foreign Transaction Fees
Eligible international purchases do not incur an added foreign transaction surcharge.
Travel Rewards Ecosystem
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
Go to issuer offerCompare Next
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