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VS

Compare the Features and Benefits of IHG One Rewards Traveler Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Travel and Emergency Assistance Services
Secondary Car Rental CDW Waiver
Grants Hotel Status
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Roadside Assistance
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Hotels

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

3x Cable / Internet / VOIP Phone
3x Gas Stations
3x Cellular Phone Service
3x Dining Out / Food Delivery
3x Streaming Services
2x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Limited Time Offer: Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.95) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The IHG Rewards Traveler Credit Card is IHG’s no-annual-fee credit card. As such, it doesn’t offer the excellent perks that come with the IHG Premier Credit Card — like a free night each account anniversary, automatic Platinum Elite status, and other travel perks.

However, the IHG Traveler Card still offers surprisingly good benefits for a no-annual-fee card. You’ll get IHG Rewards’ intro level Silver Elite status, fourth night free on rewards stays, and a 20% discount on purchases of IHG Rewards points.

Screenshot showing IHG card benefit of 20% discount on purchases of IHG Rewards points.

Silver Elite status doesn’t offer too many perks — 20% bonus points at IHG hotels and resorts, a shot at late checkout, and not having to worry about point expiration. Cardholders can spend $20,000 in a calendar year to upgrade to Gold Elite status. Gold Elite status includes 40% bonus points at IHG hotels and resorts.

In addition to the sign-up bonus, IHG Rewards Traveler Credit Card cardholders will earn bonus points on IHG hotel stays, dining, gas stations, select streaming services, and utility monthly bills. Cardholders earn 2 points per dollar spent on all other eligible purchases. Considering the IHG Rewards point value is only around 0.4 cents per point, that’s not the best possible return on your other purchases.

So, you might just want to limit using your IHG Traveler Card to IHG hotels and resorts. By charging IHG hotel stays to their IHG Traveler Card, cardholders will earn a total of at least 17 points per dollar spent:

  • 5 points per dollar spent by charging the IHG hotel stay to their IHG Traveler Card
  • 10 points per dollar spent as an IHG Rewards member.
  • 2 bonus points per dollar spent at as Silver Elite (or more if you have a higher tier of IHG Rewards elite status)

For those unfamiliar, the IHG Rewards loyalty program includes a wide range of hotel brands. On the luxury side, you can earn and redeem IHG points at InterContinental Hotels, Kimpton, Hotel Indigo, Six Senses, and Regent Hotels. On the flip side, you can earn and redeem IHG points for stays at Holiday Inn Express, Holiday Inn, Holiday Inn Club Vacations, Candlewood Suites, and Staybridge Suites. That range of earning and redemption options is truly impressive.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Travel and Emergency Assistance Services
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Roadside Assistance
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Ultimate Rewards, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Travel and Emergency Assistance Services
yes
Secondary Car Rental CDW Waiver
no
Grants Hotel Status
no
No Fees for Authorized Users
no
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Roadside Assistance
yes

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