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.
Credit Card
Chase IHG One Rewards Traveler Card Bonus — Up to 125,000 Points + 5,000 points
Apply to Chase IHG One Rewards Traveler Card Bonus and earn up to $650 in combined sign-up and referral bonuses.
Qualifying Period
Within 6 months of account opening
Payout
6 to 8 weeks after qualifying
Requirements
- ✓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
- ✓Spend $2,000 in first 3 months for initial 90,000 points
- ✓Spend total of $4,000 in first 6 months for additional 35,000 points
- ✓$2,000 in purchases in the first 3 months
- ✓$4,000 total in purchases in the first 6 months
- ✓Spend $2,000 in first 3 months
- ✓Spend additional $4,000 by end of 6 months (total $6,000 required for full 125,000 points)
- ✓$2,000 spend in first 3 months
- ✓$4,000 total spend in first 6 months
- ✓Spend additional $2,000 (total $4,000) in first 6 months
- ✓Earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening
- ✓Earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening
- ✓Spend $2,000 in first 3 months from account opening
- ✓Spend $4,000 total in first 6 months from account opening
- ✓Spend $4,000 total in first 6 months
- ✓Spend $2,000 in the first 3 months from account opening
- ✓Spend a total of $4,000 in the first 6 months from account opening
- ✓Spend $2,000 in the first 3 months from account opening (earns 90,000 points)
- ✓Spend a total of $4,000 in the first 6 months from account opening (earns additional 35,000 points for total of 125,000)
- ✓Spend $2,000 in first 3 months for 90,000 points
- ✓Spend $4,000 total in first 6 months for additional 35,000 points (125,000 total)
Restrictions
- ⚠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
- ⚠Does not apply to business card products
- ⚠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
- ⚠New customers only (no current IHG One Rewards card)
- ⚠Cannot have received bonus on personal IHG card within last 24 months
- ⚠Must not have received a new Cardmember bonus within the last 24 months
- ⚠New customers only
- ⚠Must not have current IHG Rewards Credit Card
- ⚠New customers only — not available if you currently have an IHG One Rewards Credit Card or received a new cardmember bonus on any IHG personal card within the last 24 months
- ⚠New customers only - no current IHG One Rewards Credit Card
- ⚠No new cardmember bonus within last 24 months on any IHG personal card
- ⚠Must not have received a new Cardmember bonus within the last 24 months on any IHG personal card
- ⚠New cardmember only
- ⚠No current IHG One Rewards Credit Card
- ⚠No IHG bonus received in past 24 months
- ⚠Subject to credit approval
- ⚠Cannot currently have an IHG One Rewards card
- ⚠No bonus within last 24 months on any IHG personal card
- ⚠No IHG personal card bonus within the last 24 months
- ⚠Must not have received a new cardmember bonus within the last 24 months on an IHG personal card
- ⚠Have not received new cardmember bonus within last 24 months
Fees
- $0 annual fee
- Limited-time offer
- IHG One Rewards points redeemable at participating IHG Hotels & Resorts properties
- IHG One Rewards membership account required to receive bonus
- Account must be open and not in default at time of fulfillment
- 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
- Card account must be open and not in default at time of fulfillment
- 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
- Earn up to 50K bonus points per year through refer-a-friend (10,000 bonus points per approved friend)
- Automatic Silver Elite Status as cardmember
- Redeem 3 nights, get 4th night free
- Bonus earned in two tiers: $2,000 spend within 3 months, then additional $4,000 total spend within 6 months
- IHG points can be redeemed at various IHG Hotels & Resorts properties
- Account must be open and not in default at time of bonus posting
- Purchases exclude balance transfers, cash advances, cash-like transactions, lottery tickets, betting transactions, person-to-person transfers, and fees
- Account must be open and not in default at time of bonus fulfillment
- Card is cobranded by Chase and IHG One Rewards
- IHG One Rewards points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
- Referral program: earn up to 50K bonus points per year; earn 10,000 bonus points for each friend that gets approved for a participating IHG One Rewards Credit Card
- Automatic Silver Elite Status with card membership
- Earn 10,000 additional bonus points annually when spending $10,000 in calendar year
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 June 15, 2026
How to evaluate Chase IHG One Rewards Traveler Card 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 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
Common pitfalls
- 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
- Does not apply to business card products
- New customers only — no current IHG One Rewards personal card
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $4,000 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 Card 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.
How long do I have to qualify for Chase IHG One Rewards Traveler Card Bonus?
The qualifying period listed for Chase IHG One Rewards Traveler Card Bonus is Within 6 months of account opening.
When does Chase IHG One Rewards Traveler Card Bonus pay out?
The payout timeline listed for Chase IHG One Rewards Traveler Card Bonus is 6 to 8 weeks after qualifying.
