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IHG® Rewards Club Traveler Credit Card review

Get up to 15x points on IHG hotel purchases, coming to 10.5% back in IHG redemption.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.’s rating: 4.5 / 5


  • Get this card if you’re a frequent IHG guest and want a no-annual-fee card.
  • Pick the $89 if you want to get the highest value.
  • Apply with a good to excellent credit score of 670 or higher.
Best of 2021
Finder experts pick IHG® Rewards Club Traveler Credit Card as a 2021 best product for credit cards.

How to apply for IHG® Rewards Club Traveler Credit Card

  1. Go to the provider's site and click Apply now.
  2. Complete the application form with information such as your full name, date of birth, Social Security number, contact information and total annual income.
  3. Review your details and submit your application.

What credit score do I need?

Consider applying for this card with a good to excellent credit score of 670 and higher.

IHG® Rewards Club Traveler Credit Card benefits

  • No annual fee. You won’t pay anything to own the card.
  • No foreign transaction fees. You won’t pay transaction fees on purchases made abroad.
  • Signup bonus. Spend $2,000 in purchases within the first 3 months of account opening to earn 60,000 bonus points. At the time of this writing, we peg each IHG point at a value of $0.70 cents each. That means 60,000 points are worth $420 — impressive for a no-annual-fee card and superior to what you’ll find with similar hotel cards.
  • Up to 15x total points at IHG hotels. At our current valuation, 15x points at IHG hotels means you’re effectively earning a 10.5% reward rate. If you’re a loyal IHG customer looking for a no-annual-fee card, that’s a great deal. In other categories, the card’s rewards are nothing to write home about: 2x points at gas stations, grocery stores and restaurants translates to a 1.4% reward rate. That’s disappointing, considering specialized cards offer much higher rates and even flat-rate cashback cards offer better rewards. And the base 1x-point tier is anemic, offering just a 0.7% reward rate.
  • Gold Elite status each calendar year you spend $10,000 on purchases. This level comes with certain benefits not available to the basic Club Member tier. Here are a few perks it offers that you won’t find with normal Club Member status: Extended checkout, priority check-in, welcome amenity, a $10 credit valid at the hotel’s restaurant bar or your in-room bar during an eligible stay, one free Amazon Kindle eBook per quarter, 10% bonus earnings for base points and your points won’t expire
  • Purchase and travel protections. Many card providers cut these benefits, but Chase offers an impressive suite of protections with the IHG® Rewards Club Traveler Credit Card. With this card, you can get: purchase protection, extended warranty protection, trip cancellation/interruption insurance, travel accident insurance, travel and emergency assistance services, lost luggage reimbursement, baggage delay reimbursement and auto rental collision damage waiver.
  • Fourth reward night free. Take advantage of this feature when you use points to book a stay at an eligible IHG hotel.

Where will I earn 5x points with the IHG® Rewards Club Traveler Credit Card?

You’ll earn this rewards rate when you spend at these properties:

  • InterContinental Hotels & Resorts
  • InterContinental Alliance Resorts
  • Crowne Plaza
  • Hotel Indigo
  • Holiday Inn
  • Holiday Inn Express
  • Holiday Inn Resort
  • Holiday Inn Club Vacations
  • Staybridge Suites
  • Candlewood Suites
  • EVEN Hotels
  • Hualuxe

IHG® Rewards Club Traveler Credit Card drawbacks

  • Gold Elite status requires a $10,000 spend. No-annual-fee cards from other hotel chains often give you elite status without a spend requirement.
  • Strong rewards only at IHG properties. If you don’t stay at IHG properties much, consider another travel credit card.
  • Fourth-night-free benefit applies only to Reward Nights. You need enough points to redeem for a stay longer than four nights.

Customer reviews and complaints

Some consumers mention Chase’s 5/24 rule, which means the provider automatically denies your application if you’ve opened five cards within the last 24 months. Customers commonly say you’re better off filling one of those five slots with the IHG® Rewards Club Premier Credit Card instead.

Other consumers warn that IHG’s PointBreaks program — through which you can book nights for as little as 5,000 points each — often include a disappointing array of properties.

JPMorgan Chase Credit Card is not accredited by the Better Business Bureau (BBB), but it has an A+ rating from the agency. According to the BBB, this rating indicates that Chase offers customer support to its customers.

The bank’s customer rating averages at 1.4 out of 5 stars. Some customers cite unexpected account closures, unfulfilled signup bonuses and unhelpful customer support.

Compare hotel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Hilton Honors American Express Card
Earn 80,000 points after spending $1,000 in the first 3 months. Also, earn another 50,000 points after spending a total of $5,000 in the first 6 months.
7x points on eligible Hilton purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other eligible purchases
With a massive welcome offer for a no-annual-fee card and up to 7x points on eligible Hilton purchases, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
Limited Time Offer: 150,000 points and a bonus Free Night Award after spending $5,000 in eligible purchases in the first 3 months. Resort fees may apply, offer expires 11/3/2021
6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3x at US restaurants and on flights booked directly with airlines and 2x points on all other eligible purchases
Earn a huge limited time welcome offer worth up to $1,500. Offer expires November 3, 2021. Terms apply, see rates & fees
The World of Hyatt Credit Card
30,000 points after spending $3,000 on purchases in the first 3 months. Plus 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
Earn 30,000 points after spending $3,000 on purchases in the first 3 months. Plus earn 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months.

Compare up to 4 providers

Bottom line

The IHG® Rewards Club Traveler Credit Card offers attractive rewards on IHG spending. However, it’s stingy on status bumps, and you’ll find better rewards elsewhere in non-IHG categories. Its sibling card, the IHG® Rewards Club Premier Credit Card, is a much better choice. However, if you get the IHG® Rewards Club Traveler Credit Card, you can always upgrade to its sibling card by calling the number on the back of your card.

If you’re not sure this card is right for you, consider other hotel credit cards.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.


Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The IHG® Rewards Club Traveler Credit Card comes with 15 points per dollar spent on purchases at IHG locations. With a value of 0.7 cents per point, this comes out at 10.5% back in value, which is massive for a no-annual-fee card.

What’s more, you get to earn a generous signup bonus worth up to $420 in redemption value. There’s no other no-annual-fee hotel card that can match both the rewards rate and the signup bonus of this card. On top of that, you get a fourth night free when you redeem your points for four or more hotel stays.

On the downside, you don’t get an elite status right away as a cardmember. you have to spend $10,000 in one year to earn Gold status. Other no-annual-fee hotel cards come with Silver status.

Considering you don’t pay an annual fee for the card and you get generous rewards, this is an excellent card to consider. But if you want to get even more value on your IHG stays, consider the IHG® Rewards Club Premier Credit Card. For $89 a year, you’ll find lots of bang for your buck, including automatic Platinum Elite status, a free night after every card anniversary and even higher rewards rate on IHG spending.

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