IHG Traveler
Chase
IHG Traveler
Offer Strength
Standard$50 above typical value
Show breakdown
Estimated bonus value: ~$450
Base score: 38
Current $450 vs typical $400
Net value after annual fee: ~$450
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Credit Score
Fair credit recommended (630+)
IHG Traveler
Welcome Offer
Earn up to 120,000 bonus points: 90,000 points after you spend $2,000 in the first 3 months, plus up to 30,000 more with 3x on up to $10,000 in purchases in the first 6 months (excluding IHG). Offer ends March 18, 2026.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Up to 17x points at IHG hotels
3x points on monthly bills, gas, and restaurants
1x points on all other purchases
Key benefits
Automatic Silver Elite status
Automatic Silver Elite status
4th reward night free on point stays
4th reward night free on point stays
Gold Elite after $20,000 annual spend
Gold Elite after $20,000 annual spend
10,000 bonus points after $10,000 annual spend
10,000 bonus points after $10,000 annual spend
Up to 17x total points at IHG hotels
Up to 17x total points at IHG hotels
No annual fee
No annual fee
Perks
Silver Elite: early check-in, welcome amenity
Silver Elite: early check-in, welcome amenity
20% discount when purchasing IHG points
20% discount when purchasing IHG points
No foreign transaction fees
No foreign transaction fees
Baggage and trip insurance
Baggage and trip insurance
Good fit for
About this card
The Chase IHG Traveler is a hotel rewards card with no annual fee. New cardholders can earn 90,000 points after spending $2,000 in 90 days.
Best for
credit card beginners, occasional travelers, hotel loyalty members
Key considerations
No annual fee makes this easy to keep long-term. Subject to Chase 5/24 rule — plan application timing.
Card analysis
Offer analysis
The current offer on the IHG Traveler awards 90,000 points after spending $2,000 within 90 days of account opening.
Annual fee value
The IHG Traveler has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the ihg product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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