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IHG Rewards Traveler Credit Card

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welcome offer

Earn 80,000 points after spending $2,000 within the first 3 months.

Bonus Value

Approximately $400

Annual Fee

$0

Card Rewards

5 points at IHG hotels

3 points on dining, gas, and monthly bills (like utilities, internet, cable, phone, streaming services)

2 points everywhere else

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The IHG Rewards Traveler Credit Card is a basic hotel credit card. But, the good part is you do not pay an annual fee. The high reward rate of a total of 17 points on IHG purchases (when combined with an IHG rewards membership) can help you accumulate a ton of IHG points! The card also comes along with a ton of travel benefits including luggage delay insurance, auto rental insurance, and more!

Card-Smart Tips & Advice
  • Credit: Good credit needed (you will probably need at least one credit card open for more than a year)
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Double dipping: Chase will not approve you for this card if you currently have an IHG Rewards Club Traveler Card, or if you have received a bonus on an IHG Rewards Club Traveler Card within the last 24 months
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
774 Avg. Score of those approved
0% Denied
Approved 100% (3)
Denied 0% (0)

Credit limit range $2,000-$25,000

Avg. Credit limit$14,467

Approved 100% (3)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
The IHG Rewards Club Traveler Card is not available to either current cardmembers of the IHG Rewards Club Traveler Card, or previous cardmembers of the IHG Rewards Club Traveler Card who received a welcome bonus for the IHG Rewards Club Traveler Card within the last 24 months.
Card Details And Benefits
Rewards

- 5 points at IHG hotels
- 3 points on dining, gas, and monthly bills (like utilities, internet, cable, phone, streaming services)
- 2 points everywhere else

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

New! Get complimentary upgraded to IHG silver status

Earn IHG Gold Elite status after $20,000 spent every year

Extra Redemption Value

Use your points to book a three night stay and get the fourth night free.

Trip Cancellation Insurance

Coverage for max $5,000 per person per trip, and max $20,000 per year, for reimbursing non-refundable travel expenses.

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 31 days.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Extended Warranty Protection

Get your original manufacturer's warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less).

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per year.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Anniversary Bonus Points

New! Earn 10,000 bonus points after spending $10,000 (plus one additional purchase) each calendar year.

How can the points be used?

The points can be redeemed for free nights at IHG hotels and its brands at the approximate value of a half a penny per point.  IHG brands include:
  • Six Senses
  • Regent
  • InterContinental Hotels & Resorts
  • Vignette Collection
  • Kimpton Hotels & Restaurants
  • Hotel Indigo
  • Voco
  • Hualuxe
  • Even Hotels
  • Crowne Plaza
  • Holiday Inn Express
  • Holiday Inn
  • Avid
  • Atwell Suites
  • Staybridge Suites
  • Holiday Inn Club Vacations
  • Candlewood Suites

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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