At all-time highOffer changed yesterday

IHG One Rewards Traveler Credit Card

At its all-time high

Best offer this card has ever had: 125,000 points.

Current sign-up bonus

125,000

Bonus points

Earn 125,000 points after you spend $2,000 in the first 3 months. That's ~$1,875 in value.

Earning rates

17x

IHG Hotels & Resorts stays

3x

Gas, dining, utilities & monthly bills

2x

Everything else

Key benefits

  • ✓Up to 17 points per $1 at IHG Hotels & Resorts
  • ✓3 points per $1 on gas, dining, utilities, and select monthly bills
  • ✓2 points per $1 on all other purchases
  • ✓Fourth reward night free on IHG award stays of 4+ nights
  • ✓Automatic IHG One Rewards Silver Elite status (Gold with $20,000 annual spend)
  • ✓Up to $50 in United TravelBank cash annually
  • ✓No foreign transaction fees
  • ✓No annual fee

We list the highlights. See the issuer for full benefits & terms

Welcome bonus history

Every welcome bonus we've recorded for this card. The dashed line marks its all-time high, and the green dot is today, sitting right at the peak.

Highest bonus ever recorded:
125,000 points, first seen June 2026
Current offer since:
October 2026
All-time high125,000120,000 points · from Mar 202280,000 points · from Jul 2022100,000 points · from Feb 202480,000 points · from Sep 2024120,000 points · from May 202580,000 points · from Oct 2025125,000 points · from Jun 202680,000 points · from Jul 2026Current2022Today · 2026
  1. 125,000 pointsCurrent★ Highest ever
    2026-10-07 · $2,000 / 3mo · Earn 125,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening. The card has no annual fee.
    Source: upgradedpoints.com
  2. 80,000 points
    2026-07-06 · $2,000 / 3mo · Current offer as stated on page; previous reference offer of 125,000 points is no longer shown
    Source: upgradedpoints.com
  3. 125,000 points★ Highest ever
    2026-06-01 · $4,000 / 6mo · all-time high: up to 125,000 = 90,000 after $2,000 in 3 months + 35,000 after $4,000 cumulative in 6 months; limited-time elevated offer
    Source: upgradedpoints.com
  4. 80,000 points
    2025-10-01 to 2026-03-01 · $2,000 / 3mo
    Source: upgradedpoints.com
  5. 120,000 points
    2025-05-01 · $2,000 / 3mo
    Source: upgradedpoints.com
  6. 80,000 points
    2024-09-01 · $2,000 / 3mo
    Source: upgradedpoints.com
  7. 100,000 points
    2024-02-01 · $2,000 / 3mo
    Source: upgradedpoints.com
  8. 80,000 points
    2022-07-01 · $2,000 / 3mo
    Source: upgradedpoints.com
  9. 120,000 points
    2022-03-01 · $2,000 / 3mo
    Source: upgradedpoints.com

Historical offers are tracked for reference. Past offers may not return.

Common questions

What is the highest welcome bonus the IHG One Rewards Traveler has ever offered?

125,000 points, first recorded June 2026. Today's offer matches it.

When did the IHG One Rewards Traveler's welcome bonus last change?

The current 125,000 points offer began October 2026, replacing 80,000 points. Every change is recorded with the date it was first seen.

What credit limit does the IHG One Rewards Traveler have?

No published minimum. Credit Karma member data reports an average limit around $15,964, with $5,000 the most common.