Best Categories for This Card
Travel
All other travel, including rideshare
Dining & Restaurants
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Travel | 6x | Ongoing | — | 3.00% |
| Dining & Restaurants | 6x | Ongoing | — | 3.00% |
Everywhere else | 3x | Ongoing | — | 1.50% |
Card details
- Network
- Mastercard
- Foreign transaction fee
- None
- Credit usually needed
- Excellent (about 740+)
- Last verified
- Oct 11, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Downgrade options: IHG One Rewards Premier Credit Card, IHG One Rewards Credit Card — a product change keeps your account history if this card stops earning its fee.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
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