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IHG® Rewards Club Traveler Credit Card

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The IHG Rewards Club Traveler Credit Card is your low-end option for IHG hotel cards. The rewards are fairly meager and there are no outstanding benefits, but there’s also no annual fee so it could work well for the occasional IHG traveler.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.99% - 22.99% Variable

IHG® Rewards Club Traveler Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
How To Apply Read Our Review

Highlights & Features


Spending Rewards
  • 15X points per dollar at IHG Hotels & Resorts
    • 5X Bonus points from the card
    • 10X Base points for IHG Member status
  • 2X Bonus points per dollar at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • 1X Bonus point per dollar for all other purchases
Introductory Bonus
  • 60,000 bonus points for spending $2,000 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 15.99% - 22.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card


Penalty APR NONE
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $0
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater
How to Get a Cash Advance with a Credit Card


Chase has several card types depending on your needs.

See all Issuer Cards

The IGH Rewards Club Traveler card is a low-end hotel credit card designed for the occasional IHG stay. Why just the occasional stay?

This card has no annual fee, and so the rewards and benefits are pretty limited. You won’t get any free night stays or an automatic enhanced member status, like you would with one of the better IHG cards, the IHG® Rewards Club Premier Credit Card (Review).

But you will have a free way to earn more IHG points with every stay (as long as you avoid interest and other fees), and if you’re not a frequent traveler that could be all you need.

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