IHG Rewards Traveler Credit score Card overview
The IHG Rewards Traveler Credit score Card is IHG’s no-annual-fee card choice. With this card, you may earn 5 factors per greenback at IHG resorts and resorts in addition to 3 factors per greenback at gasoline stations, month-to-month payments and eating places with this card. Whereas the IHG Traveler Card presents some helpful IHG-related perks, it might not be your best option for you. Card Ranking*: ⭐⭐1/2
*Card Ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
IHG presents two private cobranded Chase playing cards to assist prospects rack up factors and maximize their stays. One among these playing cards is the no-annual-fee IHG Rewards Traveler Credit score Card. The IHG Traveler Card definitely has extra to supply to IHG loyalists than most no-annual-fee lodge playing cards, but it surely might not be your most suitable option.
Specifically, in the event you’re going to make use of one in all your Chase 5/24 slots on an IHG One Rewards bank card, the IHG Rewards Premier Credit score Card is a greater choice for most individuals. Nevertheless, if you have already got the IHG Premier Card and wish to earn one other sign-up bonus, otherwise you refuse to pay any annual charges, you may wish to snag the IHG Traveler Card whereas it has its best-ever bonus.
So, let’s take a better have a look at the IHG Traveler Card so you possibly can determine whether or not it’s best for you.
Who is that this card for?
The IHG Rewards Traveler Credit score Card is for vacationers who need a method to earn IHG factors on their purchases with out incurring an annual payment. Particularly, this card is finest in the event you stick with IHG regularly and can use the cardboard’s fourth reward evening profit.
However, if you’d like computerized elite standing with IHG, you could be higher off with the IHG Rewards Premier Credit score Card. The IHG Premier Card comes with Platinum Elite standing and a slew of different perks. Plus, the IHG Premier Card’s anniversary evening can simply justify the cardboard’s $99 annual payment.
Like most Chase bank cards, the IHG Traveler Card is restricted by Chase’s 5/24 rule. So, Chase will reject your software in the event you’ve opened 5 or extra new playing cards throughout all issuers within the final two years. Plus, in the event you get this card, it is going to take up one in all your 5/24 slots. So, when you’ve got different Chase playing cards you wish to add to your pockets, you could not wish to apply for the IHG Traveler Card now.
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Signal-up bonus: Price $600
At present, the IHG Traveler Card presents a sign-up bonus of 120,000 bonus factors after you spend $2,000 on purchases within the first three months of account opening. That matches its best-ever welcome bonus.
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Whereas IHG factors are a number of the least priceless factors in TPG’s month-to-month valuations (value simply 0.5 cents per level), this sign-up bonus is value $600 — very strong for a card with no annual payment.
You could be eligible for the IHG Traveler Card (and its sign-up bonus) in the event you fulfill the entire following necessities:
- Don’t at present have a private (not enterprise) IHG Rewards card.
- Haven’t earned a sign-up bonus on a private IHG card within the final 24 months.
- Are beneath Chase’s 5/24 rule.
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Primary advantages and perks
As is the case with even the finest no-annual-fee playing cards, the IHG Traveler Card doesn’t provide many luxurious perks. Right here’s a fast overview of the cardboard’s major advantages and perks.
Fourth reward evening profit
Every time you redeem factors for a keep of 4 or extra nights, each fourth evening will value zero factors. When you’re a cardholder, this low cost can be mechanically utilized if you redeem IHG factors for eligible stays.
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Save 20% on level purchases
You’ll get a 20% bonus everytime you purchase IHG factors along with your card. However you possibly can’t mix this low cost with different promotions, corresponding to when IHG factors are on sale. And, IHG generally presents a a lot better 100% bonus if you buy factors. So, though I usually purchase IHG factors when the 100% bonus drops the acquisition value to 0.5 cents per level, I don’t discover the 20% low cost interesting.
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Automated Silver standing (with a path to Gold)
IHG Traveler cardholders will get pleasure from computerized Silver Elite standing within the refreshed IHG One Rewards program This tier features a 20% bonus on lodge stays, precedence check-in and factors that do not expire.
As well as, you should buy your method to Gold Elite standing if you spend $20,000 in your card every calendar yr. This tier features a 40% bonus on lodge stays and rollover elite nights for standing within the following yr.
Associated: What’s IHG One Rewards elite standing value?
No overseas transaction charges
Many bank cards don’t cost overseas transaction charges; nonetheless, there are few playing cards on that listing with out an annual payment. If you happen to journey overseas regularly, it’s value having a minimum of one bank card that doesn’t cost overseas transaction charges.
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How one can earn factors
If you use your IHG Traveler Card to make purchases, you’ll earn:
- 5 factors per greenback at IHG resorts and resorts (2.5% return, primarily based on TPG’s valuations).
- 3 factors per greenback at gasoline stations, month-to-month payments and eating places (1.5% return).
- 2 factors per greenback on every part else (1% return).
These returns aren’t nice, even for a no-annual-fee card.
The two.5% return at IHG resorts and resorts isn’t dangerous. However, you are able to do a lot better with quite a few purchases utilizing a number of sub-$100 annual payment playing cards. For instance, the $95 annual payment Chase Sapphire Most well-liked Card earns 2 factors per greenback (for a 4% return) on journey purchases. And, the $95 annual payment Capital One Enterprise Rewards Credit score Card earns 2 miles per greenback for a 3.7% return on nearly all purchases.
The IHG Traveler Card additionally isn’t a sensible choice for many different purchases. In spite of everything, it solely gives a 1.5% return at gasoline stations, grocery shops and eating places, plus a 1% return on different purchases. A number of easy, cash-back bank cards provide a 2% return on all purchases. For instance, you possibly can earn 2 factors per greenback on all purchases — 1 level if you purchase and 1 if you pay — with the no-annual-fee Citi® Double Money Card.
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How one can redeem factors
TPG values IHG factors at simply 0.5 cents every. Nevertheless, it’s attainable to maximise redemptions with the IHG Rewards program and get rather more worth out of your factors. Listed below are a couple of methods you are able to do so.
IHG has dynamic award pricing, however there are some good offers to be discovered. Nevertheless, one draw back to dynamic pricing is that it is best to extra fastidiously think about when to make use of your factors versus money for a keep. I have a tendency to make use of factors after I can get higher than 0.5 cents per level of worth. And I nearly all the time use factors after I guide a keep of 4 nights or longer to make the most of the IHG Traveler Card’s fourth reward evening profit. Conversely, I have a tendency to make use of money when IHG is providing a profitable lodge promotion.
IHG Rewards factors can go a good distance in some areas. Listed below are a few of my favourite IHG properties within the U.S. bookable for 10,000 factors. And, in the event you’re able to journey internationally, listed below are a number of the finest worldwide IHG properties bookable for 10,000 factors.
You can also use a mix of Factors + Money to guide stays. For a given room, you’ll sometimes see a chart with reductions from the total nightly award price in increments of 5,000 factors.
On a Factors + Money reserving, you’re primarily shopping for the additional factors wanted to finish the redemption. So, in the event you cancel your room, your refund can be given solely in factors. I hardly ever guide Factors + Money charges, because it’s normally a greater worth to make use of simply factors. Nevertheless, it’s value checking to see whether or not the maths works out on every reserving.
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Competing playing cards
For IHG loyalists, you might not be enticed by lodge bank cards from different chains. Nevertheless, there are two different playing cards value contemplating as alternate options to the IHG Traveler card.
Chase additionally points the IHG Rewards Premier Credit score Card, which has a $99 annual payment and gives computerized Platinum Elite standing, a free evening award every account anniversary (value as much as 40,000 factors), $50 of United TravelBank credit score annually and reimbursement in your software payment to International Entry, TSA PreCheck or Nexus (obtainable each 4 years). Cardholders additionally benefit from the fourth-night-free profit when redeeming factors for IHG lodge stays. With the Premier card, you may earn 10 factors per greenback at IHG properties, 5 factors per greenback on journey, 5 factors per greenback on eating and gasoline and three factors per greenback on different purchases.
It is also value contemplating the Chase Sapphire Most well-liked Card. This card has a $95 annual payment and earns Chase Final Rewards factors, which you’ll switch to IHG 1:1 for redemptions — plus use them with different airline and lodge applications. In actual fact, lots of these different choices present higher worth than utilizing your Chase factors with IHG. With the Sapphire Most well-liked, you may earn 5 factors per greenback on journey booked with the Chase journey portal, 5 factors per greenback on Lyft rides (by March 2025), 3 factors per greenback on streaming companies and on-line grocery purchases, 3 factors per greenback on eating, 2 factors per greenback on journey and 1 level per greenback on different purchases. Different key perks embrace a ten% anniversary factors bonus and as much as $50 in annual lodge spending credit.
The IHG Rewards Traveler Credit score Card isn’t a foul choice. For no annual payment, you’ll get a 2.5% return at IHG resorts and resorts and some IHG-related perks. For vacationers who sometimes go to IHG properties however need entry to the fourth-night-free profit, it is a strong addition to your pockets. Nevertheless, in the event you’re searching for further perks throughout your stays, this card lacks premium advantages.
After all, including a brand new card to your pockets might take up a priceless Chase 5/24 slot. If you happen to don’t have plans so as to add greater than 5 playing cards to your pockets inside 24 months, you don’t have anything to fret about. However, in the event you’re including playing cards to your pockets extra shortly, it is best to have a plan for which playing cards you need.
Usually, you’ll wish to apply for playing cards once they provide an elevated sign-up bonus, which can be drawing you to the IHG Traveler card within the first place. The present bonus matches its best-ever provide, so now would be the proper time to use in the event you’re contemplating this card.
Official software hyperlink: IHG Rewards Traveler Credit score Card
Extra reporting by Madison Blancaflor, Christina Ly and Ryan Smith.