IHG One Rewards Credit Card

Chase · Personal card · Checked against Chase's terms Oct 26, 2026

The IHG One Rewards earns 5x IHG One Rewards points at IHG Hotels & Resorts; 3x IHG One Rewards points at restaurants, supermarkets and gas stations; and 2x IHG One Rewards points on everything else. No annual fee. earnrate counts IHG One Rewards points at 0.5¢ each; transferring to airlines or hotels can be worth up to about 0.6¢.

Add it to your wallet

Earning rates

1. 5
   IHG Hotels & Resorts 5x IHG One Rewards points
   Card points only. Chase advertises "up to 17X total" at IHG, which adds up to 10X IHG member points and 2X Silver Elite points that IHG posts for stays booked direct; those aren't card earnings.

   “That's 5X points with this card.” creditcards.chase.com

2. 3
   Restaurants, supermarkets and gas stations 3x IHG One Rewards points
   Dining includes takeout and eligible delivery services. Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.

   “Earn 3X points on dining and gas stations.” creditcards.chase.com

3. 3
   Home utilities, TV and internet service, cell phone service and streaming services 3x IHG One Rewards points
   Utilities; internet, cable and phone; and select streaming services (Chase's list includes Netflix, Hulu, Disney+, Max, Spotify, YouTube TV and others). Purchases posting after Dec 31, 2026 earn the 2x base rate.

   • Through Dec 31, 2026

   “through December 31, 2026 in the following rewards categories: utilities; internet, cable, and phone services; select streaming services” creditcards.chase.com

4. 2
   Everything else 2x IHG One Rewards points

   “Earn 2X points per $1 spent on all other purchases.” creditcards.chase.com

Public welcome offer

125,000 IHG One Rewards points after $2,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Labeled a launch offer; no end date given. Plus 10,000 points after adding an authorized user in the first 3 months. Chase: "available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products."

Sources

• creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
• chase.com/personal/credit-cards/rewards-category-faq

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.