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usihgno fx fee
IHG One Rewards Credit Card
no-fee ihg card with 4th night free. big bonus for basically no spend.
checked Oct 9, 2026 · creditcards.chase.com
annual fee
none
welcome bonus
260k pts
foreign transaction fee
none
earn rates
restaurants3x
gas + ev3x
groceries3x
streaming · also utilities/internet/phone; 3x thru 12/31/2026, then 2x3x
everything else2x
at ihg hotels · card earn; + up to 10x member + 2x silver5x
store-only rates show here but aren't counted in your wallet math.
welcome offer
spend US$2,000 in 3 months125k
spend US$2,000 in 3 months · +10k for adding an authorized user135k
credits
instacart credit (needs instacart+)US$10/mo (US$120/yr)
doordash non-restaurant promoUS$10/mo (US$120/yr)
perks
ihg silver elite; gold after $15k/yr
4th reward night free (needs $5k/yr spend from 2027)
12 months complimentary dashpass
3 months complimentary instacart+
trip cancel $5k, baggage delay, lost luggage, purchase protection
always confirm current terms with the issuer before applying. pointlss isn't affiliated with chase. see disclosures.