IHG One Rewards Traveler Credit Card: what it earns

Updated October 16, 2026 · from RightCard's verified card and merchant data

IHG One Rewards Traveler Credit Card earns 3x points at restaurants, 3x points at supermarkets, 3x points at gas stations, and 2x points on everything else. We value IHG One Rewards at 0.5¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3x points	3¢ cash · 1.5¢ travel
Supermarkets	3x points	3¢ cash · 1.5¢ travel
Gas stations	3x points	3¢ cash · 1.5¢ travel
Travel	2x points	2¢ cash · 1¢ travel
Online shopping	2x points	2¢ cash · 1¢ travel
Drugstores	2x points	2¢ cash · 1¢ travel
Transit & rideshare	2x points	2¢ cash · 1¢ travel
Streaming	2x points	2¢ cash · 1¢ travel
Everything else	2x points	2¢ cash · 1¢ travel

Travel value uses 0.5¢ per point for IHG One Rewards, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
Holiday Inn	5%
Holiday Inn Express	5%
InterContinental	5%

Where the grocery bonus will not post

Superstores and warehouse clubs code outside the supermarket category, so the grocery rate usually does not post at Walmart, Target, Costco, Sam's Club or BJ's. Check any store.

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

Other Chase cards: Ink Business Cash · Ink Business Preferred · Ink Business Unlimited

How RightCard handles this: add the IHG One Rewards Traveler Credit Card in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the IHG One Rewards Traveler Credit Card earn at supermarkets?

3x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the IHG One Rewards Traveler Credit Card earn on everything else?

2x points on purchases outside its bonus categories.

Does the IHG One Rewards Traveler Credit Card have an annual fee?

No annual fee.

How much are IHG One Rewards Traveler Credit Card points worth?

About 0.5¢ each toward travel by our conservative estimate for IHG One Rewards, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide · Supermarkets guide · Gas stations guide