# IHG One Rewards Traveler Credit Card

> Earn up to 5x at IHG and 3x on gas & EV charging. No annual fee.

Canonical page: https://cardstack.money/cards/ihg-one-rewards-traveler-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Mastercard
- Annual fee: $0
- Rewards program: IHG One Rewards (https://cardstack.money/programs/ihg-one-rewards.md)
- Welcome offer: 90,000 bonus points after you spend $2,000 in the first 3 months. Earn 35,000 additional bonus points after you spend $4,000 total in the first 6 months (125,000 total).

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | IHG hotels |  |
| 3x | Gas & EV Charging |  |
| 3x | Dining |  |
| 3x | Streaming |  |
| 3x | Utilities |  |
| 2x | All other purchases | Base earn rate |

## Other benefits

- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.
- **Car Rental Loss and Damage Insurance (secondary)**: When you decline the rental company’s collision damage waiver and pay with the card, coverage may apply for theft or damage to the rental vehicle; secondary to other insurance where applicable; terms and exclusions apply.


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