Chase · Mastercard World · Personal
IHG One Rewards
A no-annual-fee card earning IHG Rewards: 5× on Hotels (Portal), 2× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 125,000 ≈ $704 in travel (our estimate)*
- Top rate
- 5×Hotels (Portal)
- Point value
- 0.56¢ In travel · 0.56¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 125,000 points | $704 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $704 | $0 |
Bonus terms: Earn 125,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Earning structure
8 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Hotels (Portal) NotesIHG Hotels and Resorts. Eligible purchases at hotels participating in IHG One Rewards, on any channel. Excludes membership and elite bonus points. | 5× | $2.82 | |
Dining NotesIncludes takeout and eligible delivery services. | 3× | $1.69 | |
Gas Stations NotesGas stations only. EV charging is a separate Chase category and is not included. | 3× | $1.69 | |
Groceries NotesGrocery stores only. Excludes Walmart, Target, warehouse clubs, discount stores, and drugstores. | 3× | $1.69 | |
Internet and Cable Ends Jan 1, 2027NotesIncludes cable, satellite, cellular, wireless data, and landline services. Equipment does not qualify. Purchases must post by the end of this window. | 3× | $1.69 | |
Streaming Services Ends Jan 1, 2027NotesSelect streaming services only. Purchases must post by the end of this window. | 3× | $1.69 | |
Utilities Ends Jan 1, 2027NotesPurchases must post by the end of this window. | 3× | $1.69 | |
| All Other | 2× | $1.13 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World
- Bank
- Chase
- Point system
- IHG Rewards
- Travel value (our estimate)*
- 0.56¢ per point
- Cash value (our estimate)*
- 0.56¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules3
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Benefits15 · 2 high value
- Credits & Discounts High valueRedeem 3 Nights, Get 4th Night Free + 4 more credits & discounts benefits
- Instant Perks & Status High valueAutomatic Silver Elite Status + 1 more instant perks & status benefit
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Earn Perks & Status 10,000 Bonus Points + 1 more earn perks & status benefit
- Travel Protections Baggage Delay Insurance + 4 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 IHG One Rewards |  IHG One Rewards Premier |  IHG One Rewards Premier Select |  Bank of America Travel Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $150+$150 | $350+$350 | $0Same |
| Signup bonus | 125,000 pts | 180,000 pts | None | 25,000 pts |
| Top rate | 5×Hotels (Portal) | 10×Hotels (Portal) | 12×Hotels (Portal) | 3×3 categories |
| Travel value * | 0.56¢IHG Rewards | 0.56¢IHG Rewards | 0.56¢IHG Rewards | 1¢Travel Rewards |
| Why it’s here | This card | Same issuer and the same IHG Rewards points | Same issuer and the same IHG Rewards points | Also no annual fee |
IHG One Rewards Premier
$150 fee (+$150) · 10× top180,000 pts bonusSame issuer and the same IHG Rewards points
IHG One Rewards Premier Select
$350 fee (+$350) · 12× topNone bonusSame issuer and the same IHG Rewards points
Bank of America Travel Rewards
$0 fee (same) · 3× top25,000 pts bonusAlso no annual fee
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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