Our illustration, not the card’s design
Chase credit card
IHG One Rewards Credit Card
No annual fee. 125,000 IHG One Rewards points after you spend $2,000 in 3 months. Purchase APR 19.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn 125,000 Bonus Points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · sites.chase.com
“19.49% to 27.99% , based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
125,000 points
After you spend $2,000 on purchases in your first 3 months.
- Spending it takes
- $667 a month
- for 3 months
- Tracking since
- Oct 8, 2026
- history will chart every change
The spending requirement applies during the first 3 months from account opening. After qualifying, allow 6 to 8 weeks for the bonus to post. An additional 10,000 bonus points are available once after adding the first authorized user within the first 3 months from account opening, subject to the stated terms.
Who can get it: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
“This credit card is not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card, or (ii) previous cardmembers of any personal IHG One Rewards Credit Card who received a new cardmember bonus for any personal IHG One Rewards Credit Card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢; rewards spendable only with IHG One Rewards: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$755 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$695 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
IHG One Rewards
How you earn
- 5×
- 5 points ("5X points"): You'll earn 5 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards.
- 3×
- 3 points ("3X points"): You’ll earn 3 points for each $1 spent on purchases made in grocery stores.3 points ("3X points"): You’ll earn 3 points for each $1 spent on purchases made at gas stations.3 points ("3X points"): You’ll earn 3 points for each $1 spent on dining at restaurants including takeout and eligible delivery services.
- 2×
- 3 points ("3X points") by 12/31: You’ll earn 3 points for each $1 spent on purchases that post to your account through December 31, 2026 in utilities. Purchases posted after December 31, 2026 will earn 2 points for each $1 spent.3 points ("3X points") by 12/31: You’ll earn 3 points for each $1 spent on purchases that post to your account through December 31, 2026 in internet, cable, and phone services. Purchases posted after December 31, 2026 will earn 2 points for each $1 spent.3 points ("3X points") by 12/31: You’ll earn 3 points for each $1 spent on purchases that post to your account through December 31, 2026 in select streaming services. Purchases posted after December 31, 2026 will earn 2 points for each $1 spent.
- 2×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Instacart credit: $10 monthly
- Baggage: Up to $100 per day for up to 3 days
- Baggage: Up to $3,000 per covered traveler; New York residents are additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip
- Purchase protection: Up to $500 per item; for New York residents, the coverage period is 90 days from the date of purchase
- Trip cancellation: Up to $5,000 per covered traveler and $10,000 per trip
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “19.49% to 27.99% , based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had a bonus on this card or one of its family in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 8, 2026
- What is the purchase APR?
- 19.49–27.99% APR · sites.chase.com, since Oct 8, 2026
- Is there a welcome bonus?
- 125,000 IHG One Rewards points after $2,000 in purchases in 3 months. · chase.com, since Oct 11, 2026