The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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.
2 - 17X points
$0
19.24% - 27.74% Variable
Good Credit, Excellent Credit
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.
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
19.24% - 27.74% Variable
Ongoing Balance Transfer APR
19.24% - 27.74% Variable
Ongoing Cash Advance APR
28.49% Variable
Ongoing Penalty APR
Up to 29.99%
Annual Fee
$0
Recommended Credit
Good Credit, Excellent Credit
More Details