Chase
IHG One Rewards Credit Card
Estimated value every year on typical spending
$380/ year
Every year, after the annual fee. Year one adds a $625 welcome bonus: $1,005
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Elite Night Credits $5 → $2
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Chase IHG One Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $380 a year on typical spending. The welcome bonus adds roughly $625 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.49% to 29.99% variable
- Foreign fee
- None
- Top perk
- Automatic Silver Elite Status
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 17X total points at IHG Hotels and Resorts, including 3X points on gas, dining, and grocery stores
Sign-up bonus
125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- 19.49% to 29.99% variable
- Balance transfer fee
- None
- $500/mo on groceries earns about $90/year (1.5x).
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
IHG One Rewards Credit Card: questions people ask
Is the Chase IHG One Rewards Credit Card worth it?
With no annual fee, the Chase IHG One Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $380 a year on typical spending. The welcome bonus adds roughly $625 in the first year.
What is the Chase IHG One Rewards Credit Card annual fee?
The Chase IHG One Rewards Credit Card has no annual fee ($0).
What is the Chase IHG One Rewards Credit Card welcome bonus?
Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. We value it at about $625. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase IHG One Rewards Credit Card earn?
17X total points at IHG Hotels and Resorts, including 3X points on gas, dining, and grocery stores.
What credit score do you need for the Chase IHG One Rewards Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase IHG One Rewards Credit Card charge foreign transaction fees?
No. The Chase IHG One Rewards Credit Card has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.