💳 Chase · Mastercard
Travel Benefits Guide 2026
Here's exactly what you get — and what you don't — when you use the IHG One Rewards Traveler Credit Card for travel.
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
No Global Entry or TSA PreCheck credit on this card.
Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.
Not included on this card. If you need to cancel a non-refundable trip, you won't be reimbursed through this card.
No lost or delayed baggage coverage on this card. Airline compensation is your main recourse.
Travel and Emergency Assistance Services available for basic coordination. No medical or evacuation cost coverage on this no-annual-fee card.
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Most countries worldwide.
Auto Rental Collision Damage Waiver (secondary coverage). Must decline CDW at rental counter.
Credit card trip insurance typically doesn't cover medical emergencies abroad. For international trips, dedicated travel health insurance is recommended.
Browse travel health guides by country →✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
Occasional IHG guests who want to earn hotel points at no cost and take advantage of the 3rd-night-free benefit with zero annual fee
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