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Compare the Features and Benefits of IHG One Rewards Traveler Credit Card and
IHG One Rewards Premier Credit 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
Secondary Car Rental CDW Waiver
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Travel and Emergency Assistance Services
No Fees for Authorized Users
Free Annual Hotel Night
Annual Statement Credits
Global Entry / TSA PreCheck Reimbursement
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
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
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
No Fees for Authorized Users
yes
Free Annual Hotel Night
no
Annual Statement Credits
no
Global Entry / TSA PreCheck Reimbursement
no
Annual Fee
$99
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
10x Hotels

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

5x Airfare
5x Transit
5x Car Rentals
5x Gas Stations
5x Dining Out / Food Delivery
3x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Limited Time Offer: Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.48) 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 Premier Credit Card can justify its place in any traveler’s wallet. After earning the excellent sign-up bonus, cardholders continue to be rewarded with IHG Platinum Elite status, an annual free night award, a reward night free on a reward stay of four or more consecutive nights, $50 per year in United TravelBank Cash, and a Global Entry/TSA PreCheck/NEXUS application fee credit.

IHG Rewards Club member registering to get United TravelBank Cash.

Those perks easily justify the $99 annual fee, even if you use a more rewarding card for everyday spending.

Cardholders earn bonus points in a variety of categories, including 10X IHG points on eligible purchases at IHG hotel brands and 5X points on travel, at gas stations, and on dining. All other purchases earn 3X points.

MilesTalk values IHG Rewards points at 0.4 cents each. That means IHG Premier Card cardholders can expect an approximate return of around 4% on spending at IHG Hotels and 1.2% on other purchases.

For those unfamiliar with IHG Rewards, the IHG Rewards program includes hotel brands like InterContinental Hotels, Six Senses, Kimpton, and Hotel Indigo on the luxury end and Holiday Inn Express, Holiday Inn, and Staybridge Suites for more practical stays.

Redeem IHG Rewards points for an overwater villa at Six Senses in the Maldives.

Thanks to the Platinum Elite status that comes as a benefit on the IHG Premier Card, cardholders will earn 60% bonus points on stays, get complimentary room upgrades, and receive welcome bonus points when staying at participating IHG hotels.

For travelers that generally stay at least four nights, the IHG Premier Card’s fourth-night free benefit can save you a bunch of points. All you need to do is book at least four consecutive nights at an IHG hotel using your IHG Rewards points. And IHG will automatically discount one night to zero points — giving you a free reward night.

Screenshot showing IHG Rewards free night discount on a four-night stay.

You’ll get this perk whether you’re staying at a practical Holiday Inn or staying at ultra-luxurious InterContinental Hotels.

Screenshot showing the InterContinental Hotels New York Times Square bookable for 101,000 IHG Rewards points after the IHG Fourth Reward Night Free perk.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
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
No Fees for Authorized Users
yes
Free Annual Hotel Night
yes
Annual Statement Credits
yes
Global Entry / TSA PreCheck Reimbursement
yes

Learn more about these cards today

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