Rewards rates
Intro offer
Limited-Time Offer
Earn 125,000 Bonus Points
Limited Time Launch Offer! Earn 125,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
Ongoing purchases APR
19.49% - 27.99% Variable
Ongoing balance transfer APR
19.49% - 27.99% Variable
Ongoing cash advance APR
28.74% Variable
Ongoing penalty APR
Up to 29.99%
Annual fee
$0
Recommended credit
Good Credit, Excellent Credit
More details
The IHG One Rewards Credit Card offers a fourth reward night free when you redeem your points for a consecutive four-night IHG hotel stay, however, starting in 2027, you'll have to spend $5,000 on purchases in a calendar year to earn the fourth reward night free. It also offers cardholders no annual fee when traveling abroad and you can earn 10,000 bonus points after spending $15,000 each calendar year.
Read the full reviewThe IHG One Rewards Credit Card is a great card if you regularly stay at an IHG property but don't want to pay an annual fee. It comes with solid earning rates, automatic Silver elite status and a decent welcome offer.
The IHG One Rewards Credit Card earns up to 17 points per dollar spent when you stay at an IHG hotel, 3 points per dollar spent on groceries, gas stations and restaurants and 2 points per dollar on all other purchases. Points will expire after 12 months without activity in your IHG rewards account.
Limited-Time Offer
Limited Time Launch Offer! Earn 125,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
2 - 17X points
$0
19.49% - 27.99% Variable
Good Credit, Excellent Credit