Chase
Chase IHG Traveler
No annual fee, earning IHG One Rewards Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
At a glance
The Chase IHG Traveler is a no annual fee card from Chase earning IHG One Rewards Points. It earns 5x on ihg, 3x on dining, 3x on gas and 2x on everything else. We have no recurring statement credits on file for this card.
Annual feeNone
Base rate2x
Foreign feeNone
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on IHG One Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| IHG | 5x | |
| Dining | 3x | |
| Gas | 3x | |
| Internet, Cable & Phone Services | 3x | |
| Streaming Service | 3x | |
| Other | 2x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Annual Spend BonusYou will receive 10,000 bonus points each calendar year during which you spend at least $10,000 in purchases. Calendar year means January 1 through December 31 of that same year. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. | Once a year | ~$10,000 |
| Points Purchase DiscountSave at least 20% on points purchases when you pay for those points with your IHG One Rewards Traveler Credit Card. Point purchase amounts are subject to change by IHG One Rewards. These points are Non-Elite Qualifying points. Upon completion of the points purchase, you agree that the total dollar price of the points, minus the discount, will be immediately charged to your credit card. The cost for the points purchased is non-refundable. The 20% discount cannot be combined with any other points purchase offer. | Once a year | — |
| Early Access Reward Night SalesAs an IHG One Rewards credit cardmember, you are eligible for early access to Reward Night sales when offered by IHG. Reward Night sales offer a discount off the number of points needed to book a stay if using points only. If using Points & Cash, the discount will be applied to the cash portion. IHG will send communication of these sales via email and discounts will be available when booking three (3) or fewer consecutive Reward Nights at a participating hotel through IHG.com while signed into your IHG One Rewards account. | Once a year | — |
| Redeem 3 Nights Get 4th FreeFor each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. If 4th Reward Night Free reservation is cancelled, or check-out occurs before the 4th night, the 4th Reward Night is forfeited and has no cash or point value. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually. | Once a year | — |
Status and included memberships
- Automatic Silver Elite Status — As an IHG One Rewards Traveler credit cardmember, you qualify for automatic IHG One Rewards Silver Elite status for as long as you remain a Traveler credit cardmember, and as long as your IHG One Rewards membership account remains in good standing. Please allow 6 to 8 weeks after account opening for the automatic Silver Elite status to be applied to your IHG One Rewards account.
- Gold Elite Status Upgrade — Each Calendar Year you make purchases totaling $20,000 or more, you, as the primary cardmember, will qualify for Gold Elite Status through December 31 of the following year. Please allow up to 8 weeks after qualifying for the Gold Elite Status award to be applied to your IHG One Rewards account. To qualify for and maintain Gold Elite Status your account must be open and not in default.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Baggage Delay Insurance — Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.
- Lost Luggage Reimbursement — Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.
- Trip Cancellation and Interruption Insurance — If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.
Questions people ask about the Chase IHG Traveler
What is the annual fee on the Chase IHG Traveler?
The Chase IHG Traveler has no annual fee.
What does the Chase IHG Traveler earn?
5x on ihg, 3x on dining, 3x on gas, 3x on internet, cable & phone services, and 2x on everything else, in IHG One Rewards Points.
Does the Chase IHG Traveler charge foreign transaction fees?
No — the Chase IHG Traveler has no foreign transaction fee.
Other Chase cards
Chase British Airways Visa Signature
3x Airlines2x Hotels 1x everything else
$300
a year across 1 credits
Chase Disney Inspire
10x Disney Streaming3x Disney3x Gas 1x everything else
$420
a year across 3 credits
Verify before you apply. Card terms change without much notice, and issuers vary offers by
applicant. Everything on this page was last checked on 2026-09-20 against
our card database. The issuer's own terms page is the authority.