Chase IHG Traveler Card (No AF): 120,000 Point Bonus

The Offer

Direct link to offer

  • Chase IHG Traveler is offering a sign up bonus of 120,000 points after $2,000 in spend within the first three months

Card Details

  • No annual fee
  • Card earns at the following rates:
    • 5x points per $1 spent on IHG properties
    • 2x points per $1 spent on gas stations, grocery stores and restaurants
    • 1x points per $1 spent on all other purchases
  • Gold elite status when you spend $10,000 on your card each calendar year
  • Fourth Reward Night Free on any stay of 4 or more nights
  • 20% discount when purchasing points

Our Verdict

Probably makes sense to just wait for an improved offer on the Chase IHG premier card as that has gone as high as 150,000 with the annual fee waived first year.

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28 Comments
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Nan
Nan (@guest_1507761)
December 12, 2022 13:24

Wouldn’t this be a good offer if you only intend to use it for a free stay at an IHG hotel? 120,000 points must cover a couple of free nights? And no annual fee so can hold onto the points at no cost until used… I infrequently stay in some hotel when visiting family.

MS
MS (@guest_1503372)
December 6, 2022 18:11

Why does this card show 120,000 points but the card on the chase website has 80,000 points?

Beltway
Beltway (@guest_1502797)
December 6, 2022 06:38

The write-up should mention that the T&C declare ineligible anyone currently holding *any* IHG personal card (Select, Traveler, Premier) OR who received a signup bonus in the last 24 months on *any* IHG personal card (Traveler, Premier).

This is much more restrictive than the general rule for Chase cards, where—except for CSP/CSR—each card is treated independently.

Credit Card Offers
Credit Card Offers (@guest_1502532)
December 5, 2022 19:59

so this card is also 5/24?

chris
chris (@guest_1503917)
December 7, 2022 11:00

yes

Deva
Deva (@guest_1502499)
December 5, 2022 18:38

No annual fee at all And 3x on Utilities. Sign me up. What credit agencies does Chase go through….

thomasthorn85
thomasthorn85 (@guest_1502557)
December 5, 2022 20:47

Points are worth 0.5 cents

Deva
Deva (@guest_1503155)
December 6, 2022 16:19

Still a good place to park those utility bills…

Execula19
Execula19 (@guest_1503620)
December 6, 2022 23:36

3X points worth .05 equals one airline mile on most other cards

DWhite
DWhite (@guest_1504836)
December 8, 2022 12:52

Although I like IHG points and tend to get fair value out of them, a classic 2% rewards card like the Citi Double Cash is generally going to deliver better value. (You can use your 2% in cash to buy points from IHG at $0.005 each a few times a year via Points.com if that’s what you’re really after).

Dave_B
Dave_B (@guest_1507556)
December 12, 2022 09:16

US Bank CASH+: 5% Cashback on your choice of two categories. Categories include utilities, cell phone, and others. No annual fee, and includes cell phone insurance.
Much better than effectively 1.5% Cashback on utilities through this card.

Deva
Deva (@guest_1507938)
December 12, 2022 16:43

They turned me down once saying I have too many cards, basically. May try again in a couple of months.

kfp11
kfp11 (@guest_1502484)
December 5, 2022 18:13

Does this have the free annual award night?

Dave Hanson
Dave Hanson (@guest_1502528)
December 5, 2022 19:53

No. The Premier card has that, plus much better earning, well worth $89 difference IMO.

chris
chris (@guest_1503918)
December 7, 2022 11:00

No it doesnt but no annual fee on this card.

John
John (@guest_1502480)
December 5, 2022 18:09

Could you get both traveler and premier IHG?

Beltway
Beltway (@guest_1502799)
December 6, 2022 06:39

No.

RV
RV (@guest_1502440)
December 5, 2022 17:17

Can you get this card if you currently have the grandfathered CHASE IHG card wit the $49 annual fee?

K.M.
K.M. (@guest_1502540)
December 5, 2022 20:15
  RV

I think so. I have the $49 AF card and the $89 AF card because they’re separate products so I think this card is also a separate product. This card and the $89 AF card came out at the same time IIRC. However I’ve had the $89 AF card for I think 4 years now so not sure on current rules.

Beltway
Beltway (@guest_1502791)
December 6, 2022 06:34

NOPE. The new rule as of last spring is you can’t get a new IHG personal card if you currently hold any IHG personal card (Select, Traveler, or Premier). Only the business card, which is also a Premier, is treated as a separate product.

Nancy
Nancy (@guest_1502562)
December 5, 2022 20:57
  RV

I have the grandfathered IHG card. I applied for a different IHG card and got turned down with the reason “you already have a card like this”. I waited a year and tried again in November. Got turned down again with the exact same reason. Not sure if they changed there rules or if they just don’t like me 🙂

Dave Hanson
Dave Hanson (@guest_1502807)
December 6, 2022 07:00

It isn’t you Nancy. Beltway’s answer above is correct. The only way to stack the 10% point rebate benefit of your legacy IHG card the 4th night free of the new annual fee cards is to get the Business card.

Ryan del Mundo
Ryan del Mundo (@guest_1502658)
December 5, 2022 23:57
  RV

Also denied another IHG card for having the old $49 version. Reject letter said I already had a card with them. Hoping for some DP’s of a relaxed rule.

Billy Bob
Billy Bob (@guest_1502696)
December 6, 2022 01:35
  RV

From the terms; This product is not available to either (i) current cardmembers of any personal IHG® Rewards Credit Card, or (ii) previous cardmembers of any personal IHG® Rewards Credit Card who received a new cardmember bonus for any personal IHG® Rewards Credit Card within the last 24 months.
Sounds unambiguous to me.

Dave S.
Dave S. (@guest_1502433)
December 5, 2022 17:13

Can you use these points to book on the Chase travel portal?

creo
creo (@guest_1502459)
December 5, 2022 17:41

no

G
G (@guest_1502468)
December 5, 2022 17:51

The card earns IHG points, not Chase Ultimate Rewards points. Same deal as the Amazon card and Chase’s other co-branded offerings.