Chase

IHG One Rewards Traveler

Best for IHG travelers wanting no annual fee

Welcome bonus

80,000 points

after $2,000 spend within 3 months

Earn 80,000 points after spending $2,000 in 3 months; plus 10,000 points after adding an authorized user in the first 3 months.

Annual fee: No annual fee
Spend required: $2,000
Credit score needed: Very Good (740-799)

Why this card

A good honeymoon option for couples who want hotel points without an annual fee. The current bonus can cover several lower-cost IHG nights, and the fourth-night-free benefit makes longer award stays more efficient.

Perks

No annual fee
Fourth reward night free on 4+ night award stays
Automatic Silver Elite status
No foreign transaction fees
10,000 annual bonus points after qualifying spend

Everyday earn rates

5X IHG hotels with card; 3X dining, utilities, select streaming and gas; 2X other purchases