Highlights
- $0 annual fee, no foreign transaction fee, and 5x IHG One Rewards points on eligible purchases at hotels participating in IHG One Rewards.
- Automatic IHG One Rewards Silver Elite Status.
- Fourth Reward Night Free when you redeem points for at least four consecutive standard-room nights.
- Includes trip cancellation and interruption, baggage, and purchase protections.
Issuer: Chase
Payment network: Mastercard
Type: Credit card
Annual fee: $0 for the primary card
Foreign transaction fee: None
Rewards are IHG One Rewards points. After each billing cycle ends, points from eligible purchases are automatically transferred into the linked IHG One Rewards account.
Welcome Offer
【September 14, 2026 update】 90,000 IHG One Rewards points:
- Spend $2,000 in eligible purchases within the first 3 months of account opening: 80,000 IHG One Rewards points. Points typically post in 6–8 weeks after you qualify; the account must be open and in good standing when the bonus is issued.
- Add the first authorized user within the first 3 months of account opening: 10,000 IHG One Rewards points. This bonus is awarded only once, and that authorized user must still be on the account when the bonus is issued.
- Anyone who currently holds any personal IHG One Rewards credit card, or who received a new-cardmember bonus for any personal IHG One Rewards credit card in the past 24 months, is not eligible for this new-cardmember offer.
Past welcome offers
【May 1, 2026 update】 Elevated welcome offer of 125,000 points:
- Spend $2,000 in the first 3 months for 90,000 points
- Spend $4,000 in the first 6 months for 35,000 points
【September 5, 2025 update】 40,000 points + 2 Free Night Awards:
- Spend $2,000 in the first 3 months
Everyday Spending
5x: Eligible purchases at hotels participating in IHG One Rewards. This is the earn rate provided by the card; IHG One Rewards member and Silver Elite Status stay earnings are separate program points and do not count toward this card’s 5x.
3x: Utilities; internet, cable, and phone services; select streaming services; dining (including takeout and eligible delivery); and gas stations. The bank’s website does not publish a category spending cap for these bonuses.
2x: All other eligible purchases. Balance transfers, cash advances and other cash-like transactions, lottery tickets, casino chips, race track wagers or similar betting, checks, interest, unauthorized or fraudulent transactions, and fees do not earn points.
Benefits & Insurance
- Automatic Silver Elite Status
As a Traveler primary cardmember, you automatically receive Silver Elite Status while the linked IHG One Rewards account remains in good standing. Status typically posts within 6–8 weeks after account opening.
- 10,000 Bonus Points Each Calendar Year
Spend at least $10,000 in eligible purchases in a calendar year and receive 10,000 IHG One Rewards points. Qualifying spend is calculated net of returns. Balance transfers, cash advances, traveler’s checks, foreign currency, money orders, wire transfers, cash-like transactions, gambling, checks, interest, fraudulent transactions, and fees do not count. Points typically post in 6–8 weeks after you qualify; the account must be open and in good standing when the bonus is issued.
- Fourth Reward Night Free
When you redeem points for at least four consecutive standard-room Reward Nights at the same hotel, the first three nights are charged in points and the fourth night costs 0 points. You may use this benefit an unlimited number of times each year. Paid stays and Points & Cash bookings do not qualify. If you cancel the reservation or check out before the fourth night, the free fourth night is forfeited. Incidentals such as parking and resort fees remain your responsibility.
- Gold Elite Status After $20,000 Annual Spend
If the primary cardmember spends at least $20,000 in eligible purchases in a calendar year, you receive Gold Elite Status through December 31 of the following year. Status can take up to about 8 weeks to post after you qualify. The account must be open and in good standing, and each IHG One Rewards member may receive this award from only one IHG One Rewards credit-card account.
- Save 20% on Rewards Points Purchases
Buy IHG One Rewards points with this card and receive at least 20% off. The discount cannot be combined with other point-purchase promotions. Purchased points are not elite-qualifying, transactions are processed by Points.com, and point purchases are non-refundable.
- Early Access to IHG Reward Night Sales
When IHG offers Reward Night sales, eligible cardmembers get early access. After signing in to your IHG One Rewards account, you can book consecutive Reward Nights of no more than 3 nights at participating hotels using the sale discount. Sale dates, the early-access window, and the discount are confirmed in IHG email. Reward Night stays of 4 or more consecutive nights cannot combine this sale with Fourth Reward Night Free.
- Complimentary DashPass
The first time you activate DashPass with this card between February 1, 2025, and December 31, 2027, you receive 12 months of complimentary DashPass membership shared by DoorDash and Caviar. You must use a U.S. address, set this card as the default payment method to activate, and pay for eligible orders with this card. After the complimentary period ends, membership renews at the then-current monthly rate unless you cancel.
- Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders
After activating DashPass on this card, you can receive a $10 discount on one eligible DoorDash non-restaurant order each calendar quarter, while you keep an active DashPass membership and pay with the registered card. The discount applies only to the order subtotal—not taxes, tips, or other fees. Unused value does not roll over to the next quarter, and the benefit is limited to once per person per quarter within the United States.
- Three Months of Complimentary Instacart+ Membership
The first time you activate on the designated page with this card between May 1, 2025, and December 31, 2027, each eligible account can receive one three-month Instacart+ membership. You must use a U.S. address; third-party payment accounts, digital wallets, and memberships purchased through third parties do not qualify. After the complimentary period ends, membership renews at $99/year or the then-current annual rate unless you cancel during the free period.
- Receive One $10 Credit per Month in the Instacart App
After the primary cardmember activates complimentary Chase Instacart+ with this card during the period above and keeps an active Instacart+ membership, you receive one $10 Instacart credit each month. Each credit applies to one single-retailer order of at least $10 paid with this card. Unused balance does not roll over. Taxes, service fees, delivery fees, tips, and other charges do not qualify, and restaurant orders are excluded. Unused credits may be removed if the account is closed or in default.
- Chase Pay Over Time
Invited cardmembers can split eligible completed purchases of at least $100 into 3–24 equal monthly payments. There is no interest, but a fixed monthly fee applies. Eligibility is not guaranteed and depends on creditworthiness, credit line, and account behaviour. Cash-like transactions, fees such as the annual fee, and some promotional or special financing transactions are not eligible.
Travel-Related Insurance
- Baggage Delay Insurance
When all or part of a common-carrier fare is paid with this card and/or redeemable rewards, and checked baggage is delayed or misdirected for more than 6 hours after a covered traveller arrives at the destination, you can be reimbursed for essential personal items. Coverage is up to $100 per day after the initial 6 hours, for up to 3 days, and is secondary. You must report the delay to the carrier first. Hearing aids, dentures, money and valuable papers, business samples, jewellery and watches, cameras and other electronics, and recreational equipment are among items not covered. File a claim within 20 days of the delay and submit required documents within 90 days.
- Lost Luggage Reimbursement
When all or part of a common-carrier fare is paid with this card and/or redeemable rewards, and checked baggage, carry-on baggage, or personal items therein are lost, damaged, or stolen while in the carrier’s care or during travel, secondary reimbursement covers the difference between actual cash value (replacement cost less depreciation) and what the carrier pays. Limits are up to $3,000 per covered traveller per trip, with jewellery and watches combined up to $500 and cameras and other electronics combined up to $500. New York residents are also limited to $2,000 per bag and $10,000 for all covered travellers combined on the same trip. Report the loss to the carrier first, then file a claim within 20 days and submit documents within 90 days.
- Trip Cancellation and Interruption Insurance
When all or part of a prepaid trip is paid with this card and/or redeemable rewards, and the trip is cancelled or interrupted for a covered reason, reimbursement is the lesser of $5,000 per covered traveller, $10,000 for all covered travellers on the same trip, $20,000 per account every 12 months, or the actual amount paid. Rewards redemptions are reimbursed in U.S. dollars. Cancellation coverage runs from the initial deposit or booking date through departure; interruption coverage runs from departure through trip completion. Trips may not exceed 60 days. Covered reasons can include death, qualifying illness or accident, severe weather, a named storm warning, a change in military orders, jury duty or a subpoena, damage to a residence, quarantine, and a qualifying strike. Plan changes, pre-existing conditions, travel-supplier insolvency, and pandemic-related disinclination to travel are among exclusions. Notify the travel supplier promptly, file a claim within 20 days of the cancellation or interruption, and submit required documents within 90 days. Coverage is secondary.
Shopping-Related Insurance
- Purchase Protection
When all or part of an eligible item is paid with this card and/or redeemable rewards, and theft, damage, or involuntary accidental loss of possession occurs within 120 days of purchase (90 days for New York residents), reimbursement is the lesser of repair cost, like-kind replacement cost, the amount charged or paid with rewards, and $500 per item, up to $50,000 per account. Coverage is secondary and can top up amounts and deductibles not paid by other valid insurance. Animals and plants, antiques and collectibles, motor vehicles, software, items bought for resale or business use, mysterious disappearance without evidence, items in a carrier’s care, cash and tickets, perishables, and used goods are among exclusions. File a claim within 90 days of the loss and submit documents within 120 days; some incidents may require an incident report within 48 hours.
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