Chase IHG One Rewards Traveler
Chase · Mastercard · no annual fee · earns IHG One Rewards, valued at 0.60¢ a point.
Rates checked against the issuer 2026-09. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $364, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $364 a year on the illustrative household's spending, which puts it number 30 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Hotels | 5x | IHG only · IHG hotels and resorts |
| Restaurants & Bars, Utilities, Streaming, Gas Stations | 3x | Dining, utilities, select streaming and gas stations |
| Everything else | 2x |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $72 |
| Everything Else | $72 |
| Restaurants & Bars | $65 |
| Gas Stations | $32 |
| Utilities | $32 |
| Online Shopping | $22 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- A free night when you book a reward stay of four or more nights
Similar cards
- American Express Hilton Honors Card — annual fee none
- Chase Marriott Bonvoy Bold — annual fee none
- Chase Bonvoy Boundless — annual fee $95 a year
- Chase World of Hyatt — annual fee $95 a year
- Every hotel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.
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