IHG One Rewards Traveler

Reimburses up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses (fares, tours, lodging) when a covered trip is canceled or cut short due to sickness, severe weather, or other covered situations, per Chase's official protection page. This is notable because Chase's base Visa template (used on many no-fee cards) typically omits trip cancellation entirely — the IHG co-brand adds this dedicated benefit.

Reimburses up to $100 a day for up to 3 days (maximum $300) for essential purchases such as toiletries and a change of clothing when checked or carry-on baggage is delayed 6 hours or more on a covered trip, per Chase's official protection page.

Provides up to $500,000 in accidental death & dismemberment (AD&D) coverage when the cardholder charges air, bus, train, or cruise transportation fare to the card, per Chase's official protection page.

None as a reimbursed insurance benefit. Chase's official protection page describes only "Travel and Emergency Assistance": legal and medical referrals and access to emergency travel services, but explicitly notes the cardholder is responsible for any costs incurred (referrals only, no evacuation cost reimbursement). This is distinct from a true Emergency Evacuation insurance benefit, which the Traveler card does not carry.

Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item, per Chase's official protection page. The page does not restate an annual aggregate cap; Chase's standard template used on comparable co-brand cards caps this benefit at $50,000 per account per year, which is presumed but not independently confirmed for this card. [UNCONFIRMED — annual account cap not explicitly restated on this card's official page]

Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less, providing coverage up to four years total from the original purchase date. Per Chase's official protection page, this is available on eligible items purchased entirely with the card. The page does not restate a per-item dollar cap; Chase's standard Visa base-template cap on this benefit (used on comparable co-brand cards like the Southwest and Amazon Visa products) is $10,000 per item, which is presumed to apply here but is not independently restated for this specific card. [UNCONFIRMED — per-item dollar cap not explicitly stated for this card]

Earn 5X total points at IHG Hotels & Resorts; 3X points on dining, utilities, select streaming services, and at gas stations; and 2X points on all other purchases, per Chase's official earn-rewards page. When combined with the cardholder's automatic IHG One Rewards Silver Elite membership earning multiplier, Chase markets this as "up to 17X total points" at IHG properties (a combined program+card figure, not a standalone card multiplier).

Earn 80,000 bonus IHG points after spending $2,000 on purchases within the first 3 months from account opening, per Chase's official product page. An additional 10,000 bonus points are available for adding an authorized user within the first 3 months.

No cash statement credit. Instead, cardholders earn 10,000 bonus IHG points after each calendar year in which they spend $10,000 or more on the card (recurring annual spend bonus, not a dollar credit), per Chase's official product page. Chase also lists complimentary DashPass and Instacart+ membership credits as ongoing card perks (delivery-service membership value rather than a statement credit). Cardholders also automatically hold IHG One Rewards Silver/Platinum-tier elite status for as long as the account is open (elite status, not a dollar credit).

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip, per Chase's official protection page. Standard Chase sub-limits on comparable cards apply per-item caps (e.g., ~$500 for jewelry/watches and cameras/electronics), though this was not independently restated on IHG's page. [UNCONFIRMED — item sub-limits not restated for this card]

Provides secondary auto rental collision/theft coverage: decline the rental company's collision damage waiver and charge the full rental cost to the card to be covered for theft and collision damage on most rental vehicles, per Chase's official protection page. Coverage is secondary to the cardholder's personal auto insurance for domestic (U.S.) rentals, meaning a claim must first be filed with the personal insurer. No specific dollar cap or maximum rental-day duration is restated on the official page; comparable Chase co-brand cards cap this benefit at $60,000 and 31 consecutive days. [UNCONFIRMED — exact dollar cap/day limit not restated for this specific card]

None for domestic rentals. Chase's official protection page states auto rental coverage is "secondary to your personal insurance" within the U.S. Based on the standard Chase Visa auto-rental CDW clause used on comparable co-brand cards, coverage typically becomes primary automatically for rentals outside the cardholder's home country, but this international-primary detail is not independently restated on IHG's own official page for this card. [UNCONFIRMED — international primary-coverage clause not explicitly stated for this card]

No fee is disclosed for adding authorized users to the IHG One Rewards Traveler Credit Card. Chase's official product pages make no mention of any authorized-user charge, and in fact the card incentivizes adding one: cardholders earn 10,000 bonus IHG points after adding an authorized user within the first 3 months of account opening. Among Chase's personal cards, only Sapphire Reserve ($75/user) and select Ritz-Carlton products charge an authorized-user fee; the Traveler card follows the standard no-fee policy. [UNCONFIRMED — no explicit fee-schedule line found; absence inferred from official marketing pages plus the AU-bonus promotion, not a cardmember agreement fee table]