What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
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Credit Card
Chase IHG One Rewards Traveler Bonus — Up to 125,000 Points + 5,000 points
Apply to Chase IHG One Rewards Traveler Bonus and earn up to $650 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| Spend $2,000 in first 3 months | 90,000 points |
| Spend $4,000 total in first 6 months | 35,000 additional points (125,000 total) |
Qualifying Period
Within 6 months of account opening
Payout
6 to 8 weeks after qualifying
Requirements
- ✓Spend $2,000 in first 3 months from account opening
- ✓Spend $4,000 total in first 6 months from account opening
- ✓Earn 90,000 bonus points after spending $2,000 in first 3 months
- ✓Earn 35,000 bonus points after spending $4,000 total in first 6 months
- ✓$2,000 in purchases within first 3 months from account opening
- ✓$4,000 in total purchases within first 6 months from account opening
- ✓$2,000 spend in first 3 months to earn initial 90,000 points
- ✓$4,000 total spend in first 6 months to earn additional 35,000 points
- ✓Spend $2,000 in purchases within 3 months of account opening to earn 90,000 bonus points
- ✓Spend a total of $4,000 in purchases within 6 months of account opening to earn additional 35,000 bonus points
- ✓Spend $2,000 in the first 3 months from account opening (90,000 points)
- ✓Spend $4,000 total in the first 6 months from account opening (35,000 additional points)
- ✓Spend $2,000 in first 3 months to earn 90,000 points
- ✓Spend total of $4,000 in first 6 months to earn additional 35,000 points
- ✓Spend $2,000 in the first 3 months for 90,000 points
- ✓Spend a total of $4,000 in the first 6 months for additional 35,000 points
Restrictions
- ⚠New customers only
- ⚠No current IHG One Rewards Credit Card
- ⚠Have not received a new Cardmember bonus within the last 24 months on any IHG personal card
- ⚠No current IHG Rewards Credit Card
- ⚠No IHG bonus in last 24 months
- ⚠No new cardmember bonus on any IHG personal card within last 24 months
- ⚠Does not apply to Business Card products
- ⚠No new cardmember bonus within last 24 months
- ⚠Not available if you currently have an IHG One Rewards Credit Card
- ⚠Not available if you received a new cardmember bonus on any personal IHG One Rewards Credit Card within the last 24 months
- ⚠New customers only — must not have a current IHG One Rewards Credit Card
- ⚠Must not have received a new cardmember bonus on any IHG personal card within the last 24 months
- ⚠New customers only — no current IHG One Rewards personal card
- ⚠No new Cardmember bonus received within last 24 months on any IHG personal card
- ⚠Not applicable to Business Card products
- ⚠New customers only — not available if you currently have an IHG One Rewards personal credit card
- ⚠Have not received a new cardmember bonus on any personal IHG card within the last 24 months
- Account must be open and not in default at time of fulfillment
Fees
- $0 annual fee
- Card account must be open and not in default at time of fulfillment
- Allow 6 to 8 weeks for bonus to post to IHG One Rewards account
- Bonus points post after 6-8 weeks of qualifying
- Account must be open and not in default at time of fulfillment
- Bonus points will post to IHG One Rewards account
- Earn 10,000 bonus points for each friend approved for a participating IHG One Rewards Credit Card
- Account must be open and not in default at the time of fulfillment
- Up to 50,000 bonus points can be earned per year through the annual bonus structure
- Referral bonus of 10,000 points available for each approved friend on a participating IHG card
- Limited-time offer
- IHG One Rewards points redeemable at participating IHG Hotels & Resorts properties
- IHG One Rewards membership account required to receive bonus
- Balance transfers, cash advances, cash-like transactions, and certain other non-purchase transactions do not count toward spend requirement
- Balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, lottery tickets, casino gaming chips, race track wagers, and similar betting transactions do not count as qualifying purchases
- Purchases are defined as when you or an authorized user use the card to make purchases of products and services, minus returns or refunds
- Earn 5X points per $1 at IHG hotels and resorts
- Automatic Silver Elite status
- 4th reward night free when redeeming 3+ nights
- Card must be open and not in default at time of fulfillment
- Referral program: earn 10,000 points per friend approved (up to 50,000 points per year)
- Bonus points post to IHG One Rewards account, not credit card statement
- Balance transfers, cash advances, and cash-like transactions do not count as purchases
- Bonus points credited after qualifying purchases made
- Purchases do not include balance transfers, cash advances, traveler's checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino chips, race track wagers, checks accessing account, interest, unauthorized charges, and fees
Total potential bonus
$650
Additional Referral Bonus (how it works)
5,000 points
Your 50% share of 10,000 points paid directly by the referrer
View Referral Terms →125,000 points (sign-up) + 10,000 points (referral) = $650 total
Last updated July 28, 2026
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How to evaluate Chase IHG One Rewards Traveler Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 6 months of account opening
- Payout timeline
- 6 to 8 weeks after qualifying
How to qualify
- Spend $2,000 in first 3 months from account opening
- Spend $4,000 total in first 6 months from account opening
- Earn 90,000 bonus points after spending $2,000 in first 3 months
- Earn 35,000 bonus points after spending $4,000 total in first 6 months
Common pitfalls
- New customers only
- No current IHG One Rewards Credit Card
- Have not received a new Cardmember bonus within the last 24 months on any IHG personal card
- No current IHG Rewards Credit Card
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include 125,000 points sign-up bonus, 5,000 points referral share for a total displayed potential of $650. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Chase IHG One Rewards Traveler Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is 5,000 points based on 50% of the listed referral payout.
