IHG One Rewards Credit Card
The no-annual-fee IHG card, formerly called IHG One Rewards Traveler. Earn IHG points without an annual fee; this card does not include an anniversary free night.
Trackable Benefits (1)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Instacart Credit
$10 each calendar month with an active Instacart+ membership.
Receive a $10 monthly credit through December 31, 2027 with an active Instacart+ membership. Each credit applies to one eligible order of $10 or more from one retailer, paid with this card. Unused credit expires at month-end. Excludes fees, taxes, tips and restaurant orders powered by Uber Eats. Only one offer per household.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- Automatic Silver Elite status; 5 Elite Night Credits each calendar year. Existing-card Elite Night Credits begin in 2027.
- 5X card points at IHG hotels, 3X on dining, gas and groceries, 2X on other purchases. Advertised 17X IHG earnings include hotel-program and status points.
- Fourth reward night free on qualifying points stays; starting in 2027, requires $5,000 in calendar-year spending.
- Gold Elite status after $15,000 in calendar-year purchases; no foreign transaction fees.
- DoorDash: $10 off one non-restaurant order monthly for first DashPass activation September 1, 2026–December 31, 2027; quarterly for activation February 1, 2025–August 31, 2026. Confirm your schedule in Manage DashPass. Active membership required; discounts do not roll over.
- One year of complimentary DashPass when activated by December 31, 2027; paid membership renews automatically unless canceled.
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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