All-Time High 75,000-Point Bonus Offer on the IHG Traveler Card

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Chase is currently offering the best sign-up bonus ever offered for the IHG® Rewards Club Traveler Credit Card, their no-annual-fee IHG card. With 75,000 bonus IHG Rewards points after spending $2,000 on purchases within the first three months of account opening, no foreign transaction fees, and 4th reward night free benefit, it's definitely a card worth considering.

IHG® Rewards Club Traveler Credit Card
IHG® Rewards Club Traveler Credit Card
Annual Fee$0
Welcome Bonus Earn 75,000 bonus points after spending $2,000 on purchases within the first three months of account opening
The IHG Rewards Traveler Card features a high-value welcome bonus of 75,000 bonus points, no foreign transaction fees, fourth night free on award bookings, and no annual fee.
  • Earn 75,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • No Annual Fee
  • Earn 15 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Fourth Reward Night Free
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • 15x points total per $1 spent when you stay at an IHG hotel
  • 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
  • 1X point per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 5X points for being a IHG® Rewards Club Traveler Credit Cardmember
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

Key Benefits of the IHG Rewards Traveler Card

  • Fourth Reward Night Free — Cardholders receive the fourth night free on award redemptions of four or more nights. That effectively offers a 25% discount on award stays of four nights; redeem your points for a four-night stay at an IHG property, and IHG will only charge you for three nights.
  • Save 20% on Points Purchases — There are situations when buying points can save you a bundle compared to paying cash for your stay. It's important to note that—according to the terms and conditions—the 20% discount on points purchases can't be combined with other deals or discounts. In other words, you likely won't be able to combine this discount with points sales where IHG sells points for as little as 0.5¢ each. Still, the benefit could be a great value when you buy points top off your account for high-end redemptions like Kimpton hotels.
  • No Foreign Transaction Fees — Foreign transaction fees are fees tacked onto purchases made outside of the U.S. They're typical on most zero-annual-fee credit cards, so the fact that this card doesn't have these fees while also not charging an annual fee is pretty great.
  • Pathway to Elite Status — Cardholders receive IHG Gold Elite Status after spending $10k on the card in a cardmember year. Gold Elites receive perks like priority check-in, late check-out, and a welcome amenity (usually a mini-bar credit or similar) on every stay. It's worth noting that while this might sound nice, we don't recommend actively pursuing it, as IHG isn't known for being overly rewarding to its lowest-tiered status holders. You're better off putting that $10k in spend on another credit card with a more valuable earning structure.

If you want IHG status, check out the IHG® Rewards Club Premier Credit Card (full review) for complimentary Platinum Elite status just for having the card—no spending threshold to worry about.

How to Redeem 75,000 IHG Points

IHG has an impressive footprint of almost 6,000 properties worldwide. Award night redemptions generally range from 10k – 70k IHG points per night—although some new high-end properties are pricing higher than 70k points.

This means that you can use your 75,000 sign-up bonus for seven free nights at a 10,000-point property—and that's before the fourth reward night free benefit! Here's an example of that 4th-night-free benefit in action at an Intercontinental in Vietnam. The normal price is 25,000 points per night, but when you set up a four-night stay, the total price comes to 75,000 points.

Screenshot showing a 75,000-point redemption at the InterContinental Hanoi Westlake after fourth-night free
Combine your signup bonus with a fourth reward night free to get four nights at the InterContinental Hanoi Westlake.

The trick is to find a property that has an especially lucrative redemption rate. Some of my current favorites include the Intercontinental Hanoi Westlake at 25k per night, the Holiday Inn Express Cape Town City Center at 20k per night, and the Intercontinental Mauritius for only 30k per night.

See our article on IHG redemption sweet-spots for an even more detailed look at getting the most for your points.

The Kimpton Seafire Resort in Grand Cayman is one of my favorite IHG properties.

Application Restrictions

Like most personal cards that Chase offers, the IHG Rewards Traveler Card is subject to an array of application restrictions that you need to consider before applying.

Most importantly is the fact that this card counts towards—and is subject to—Chase's unpublished 5/24 policy. That means that you won't get approved for the IHG Rewards Traveler Card if you've had 5 or more new accounts added to your personal credit history in the last 24 months.

Additionally, the IHG Rewards Traveler Card will occupy one of your 5/24 ‘slots' if you do apply and get approved. This is all to say that it's important to consider how this card would fit into your overall credit card portfolio before you decide to apply for it.

Comparisons to the IHG Rewards Premier Card

The IHG® Rewards Club Premier Credit Card is Chase's other IHG card, offering additional benefits in return for an $89 annual fee. New cardmembers can earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

We previously did a full write-up detailing all of the IHG Rewards Premier Card‘s benefits here, but essentially the key differences—besides the added annual fee—come down to three added benefits:

  1. An annual anniversary reward night certificate toward a reward night costing 40,000 points or less
  2. Complimentary IHG Rewards Platinum Elite status
  3. A Global Entry/TSA Pre-Check credit

The sign-up bonus aside, the IHG Rewards Premier Card‘s value proposition ultimately comes down to whether or not you can make use of the annual reward certificate. The answer to that may also be the deciding factor on whether you'd benefit more from the IHG Rewards Premier Card or the IHG Rewards Traveler Card.

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card
Annual Fee$89
Welcome Bonus Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✔® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • 1X point per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 10X points for being a IHG® Rewards Club Premier Credit Cardmember
  • Earn 5X points from IHG® with Platinum Elite Status, a benefit of having this card
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

Combining with the IHG® Rewards Club Select Credit Card

If you hold the discontinued IHG® Rewards Club Select Credit Card, you can still get the IHG Rewards Traveler Card. These cards pair well together too. By holding both cards, you can stack the 4th reward night free benefit of the IHG Rewards Traveler Card with the 10% point redemption rebate of the IHG Rewards Card for no additional annual fee.

IHG® Rewards Club Select Credit Card cardholders are also eligible for the IHG Rewards Premier Card.

Final Thoughts

You may have noticed that I conspicuously avoided discussing the earning structures of either of these IHG credit cards. The reason for that is simple: their earning structures just aren't lucrative enough to warrant regular spending. It's better to use your spending to generate more valuable flexible award currencies and take advantage of the other benefits they provide.

For example, the IHG Rewards Traveler Card earns 2X IHG Rewards points at restaurants. That's the same earning rate that the Chase Sapphire Preferred® Card has for dining, but the Chase Ultimate Rewards points earned on the Sapphire Preferred can be transferred to 13 airline and hotel partners—including IHG Rewards. So, it's better to spend on the Sapphire Preferred and transfer to IHG if needed.

Still, with a 75,000 IHG point sign-up bonus, 4th reward night free, and no foreign transaction fees, the IHG Rewards Traveler Card definitely punches above its weight class. Just make sure you've taken your overall 5/24 allotment into account before devoting a slot to it.

IHG® Rewards Club Traveler Credit Card
IHG® Rewards Club Traveler Credit Card
Annual Fee$0
Welcome Bonus Earn 75,000 bonus points after spending $2,000 on purchases within the first three months of account opening
The IHG Rewards Traveler Card features a high-value welcome bonus of 75,000 bonus points, no foreign transaction fees, fourth night free on award bookings, and no annual fee.
  • Earn 75,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • No Annual Fee
  • Earn 15 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Fourth Reward Night Free
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • 15x points total per $1 spent when you stay at an IHG hotel
  • 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
  • 1X point per $1 spent on all other purchases

The earning for spending at IHG hotels breaks down as follows:
  • Earn 5X points for being a IHG® Rewards Club Traveler Credit Cardmember
  • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)

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Comments

  • Is the picture of the hotel real? If yes, what and where is this!? Amazing!

  • Good card offer, but IHG has fewer options than other bigger hotel chains.

  • Great card especially when you have the older-version IHG card to have combined benefits and the best of both worlds.

  • How is this card comparing to Hyatt, Marriott or Hilton cards?

  • Does anyone know if the points on a Chase Sapphire Reserve card that earned Chase Ultimate Rewards points expire if I drop the Reserve card?

  • Good card with a nice sign up bonus. Hope to see Pointsbreak back with IHG at some point though.

  • Considering the other great benefits of this card, it’s a little surprising they don’t just throw in Gold status, since the old no-AF card had it with no spend requirement.

    Regardless, while pretty good, hard to defend using a 5/24 for most people.

  • Chase finally did the right thing and (for the Premier card, at least) extended the time frame to meet the spend threshold ($3K) for the account bonus by 3 months. This extension applies to cards opened within Q1 of 2020. That’s a very customer friendly move that, in my opinion, reflects well on both Chase and IHG.

  • This is a good card to get for the bonus and the 4th night free. It should be used in conjuction with the other IHG credit card. As the article stated, not good for regular earning.

    • @Jennifer – Exactly! And going a step further, the agrument could be made that no IHG credit card is good for “regular earning” outside of direct IHG spend. Even if you’re goal is to amass as many iHG points as possible, other Chase cards, like the Freedom Unlimited earn better on un-bonused spend, and the CSR gives a higher return on dining & general travel.

  • Is it possible to get both the premier card and the traveler card?
    Or would Chase deny my application if I already have the premier card?
    I currently have the premier card but I’m interested in the traveler card due to the new sign up bonus.

  • Why would anyone transfer points to IHG? For CSP cardholders, you could use the portal for 1.25 cpp or transfer to IHG for maybe 0.5 cpp. Losing more than 50% of your value isn’t worth pursuing status.

  • I have thought about this card. Yes the 4th night free is nice but I don’t think it’s worth it right now, for me at least, to get it. IHG does have some great hotels in it but I have other ways to get their points that give me more. Maybe if I stayed more or had something with them coming up that I needed more points for? It’s hard because of how many points I usually need to stay when I need to.

  • I do have the IHG Select card and will keep that one as long as they allow it. I had been considering the premier card but now I realize that this no-annual-fee card gets me the benefits that I really wanted (4th night free) without the addition of an extra fee. This is the perfect Sock-drawer card! Increasing my current benefits with no necessity to carry it around (after the initial spend for the bonus) or cancel it after the first year.

  • Interesting, I literally never knew this card existed before now. I’m genuinely intrigued by the ability to stack the 4th night free with the 10% rebate that the Select card offers on awards. The IHG Traveler + IHG Select sounds like a great combo, similar to the the way the Freedom Unlimited compliments the CSP or CSR. I like it; thanks for the heads up!

  • Daniel Peters says:

    Can I apply for this card and get the Sign up bonus if I already have the the IHG Premier card?

  • Visitor200 says:

    The points are practically worthless compared to other cards, such as Southwestern Air. SW Air offers a $50 store gift card for 5000 points, whereas IHG only offers a $50 store card for 20,000 points!!!

  • I wish I had the chance to apply to IHG Card,…. Thank you!