Update: We’ve just received word that this increased offer on the IHG Traveler card will be ending at 7AM EST on 3/20/2025.
Chase has increased the welcome offer on the no annual fee IHG Traveler card to 100,000 IHG One Rewards points after $2K in spend. This 100K offer seems to come around every few months or so and is 20K lower than all-time best for the card.
Although this is a good deal on a card with no annual fee, it’s worth noting that you can currently get 170K points with IHG’s premium card.
The Offer and Card Details
| Card Offer and Details |
|---|
 ⓘ $450 1st Yr Value EstimateClick to learn about first year value estimates 80K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 80K points after $2K spend in 3 monthsNo Annual Fee Recent better offer: 120K points after $2K spend in 3 months (Expired 7/24/25) FM Mini Review: A good no annual fee card for anyone who values the 4th night free benefit. Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else Card Info: Mastercard World issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: 10K bonus points after $10K in purchases each calendar year ✦ Gold status after $20K in purchases each calendar year. Noteworthy perks: Fourth night free on award stays ✦ 20% discount on points purchases ✦ No foreign transaction fees ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $10 monthly Instacart credit |
Quick Thoughts
The 100,000 point offer on the IHG Traveler card is an excellent offer for a card which never has an annual fee and which also comes with IHG’s 4th night free benefit on award stays. It only earns 5x when paying for IHG stays, but if you rarely pay for hotels then that lesser earning rate isn’t as important.
Despite being a great offer for the Traveler card, it might not make sense to actually apply for it instead of the Premier card. Although the Premier has an annual fee and requires an extra $1,000 in spend, you’d get an additional 40,000 bonus points and an anniversary free night certificate after one year. Even if you didn’t want to keep it, you could then product change to the Traveler card at renewal if you don’t want to pay the $99 annual fee.
Chase Application Tips
- 5/24 Rule: You most likely will not get approved for a new card if you have opened 5 or more cards (with any bank) within the past 24 months. Most business cards do not count towards that five card total. Business cards that DO count include: TD Bank, Discover and the Capital One Spark Cash Select, Spark Miles and Spark Miles Select.
- 24 Month Rule: If you’ve previously had a card before, you can only get a welcome offer on that card again if you no longer have the card AND if it has been more than 24 months since you last received a welcome offer for that card. This rule does not apply to the Sapphire Preferred and Reserve cards (see below). There can be exceptions with some business cards.
- Sapphire cards: The Sapphire Preferred or Sapphire Reserve cards no longer have a family rule that prevents you from getting one if you currently have the other. However, both now have significant limitations that may prevent you from being eligible for a welcome offer if you've previously had the same card. In that event, you'll get a pop-up window that tells you that you're not eligible before you get a credit check and will ask whether or not you want to proceed with the application without the welcome offer attached.
- Southwest "Family" Rules: Chase applies additional "family" rules to the Southwest cards. You're not eligible for the welcome offer on a personal Southwest card if you currently have one, or if you've received a welcome offer on any personal Southwest card within the last 24 months. This doesn't apply to business cards. You also can't be approved for the Southwest consumer card if you already have one open.
- IHG "Family" Rules: You're not eligible for the welcome offer if you've received a welcome offer on any personal IHG card within the last 24 months. You also can't be approved for another IHG consumer card if you already have one open. You can have both an IHG personal and an IHG business card.
- 2 per month Rule: Most applicants are limited to 2 new cards per 30 days. Business cards are usually limited to one per 30 days.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Chase doesn't have a strict limit on the number of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all cards. Because of this, reconsideration can sometimes be successful by moving credit from one existing card to the new card that you want.
- Application Status: Call (888) 338-2586 to check your application status.
- Reconsideration: If denied, call (888) 270-2127 for personal cards, or (800) 453-9719 for business cards, and ask for your application to be reconsidered.
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Is it possible to MDD the two IHG personal cards? I’ve never had either, so what would happen if i applied for both within 1 second of each other?
thanks for the suggestion to PC the premier to the traveler card. My AF is due soon and I am on the fence as to whether the FNC is worth $99. I know most would say a 40k cert that you can top off is…
I’m a noob when it comes to IHG properties. How many nights can I stay at a decently good property with 100k points?
2
Depends on what kind of property you’re talking about – are we talking Intercontinentals and Kimptons? Then at best 2 nights. Holiday Inn next to a chemical plant in nowhere Ohio? Probably 3 nights.
Figures. Wonder if they are going to bump the bonus for the Premier card, which I just got approved for 3 days ago.
They did its $170k now.