Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
17x
Gas
3x
Dining
3x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseIHG17×
- Gas3×
- Dining3×
- Everything elseUtilities3×
- Everything elseAll Purchases2×
Welcome offer
80,000 points
- Spend $2,000 in 90 days
- Est. value: $800 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Monthly Instacart Credit$10/yr
Receive a monthly $10 Instacart credit, up to $120 annually. Active Instacart+ membership is required.
Benefits
- Automatic Silver Elite Status
Receive automatic IHG One Rewards Silver Elite status as long as you are a cardmember.
- Fourth Reward Night Free
When you redeem points for a consecutive four-night IHG hotel stay, you receive the fourth night free.
- Gold Elite Status
Qualify for Gold Elite Status by making purchases totaling $20,000 or more each calendar year.
- Save 20% on Points Purchases
Save 20% when you purchase IHG One Rewards points with your card.
- No foreign transaction fees
- Annual Spend Bonus
Earn 10,000 bonus points after you spend $10,000 each calendar year.
- Complimentary DashPass Membership
Get one year of complimentary DashPass for both DoorDash and Caviar. Activate by Dec 31, 2027.
- Complimentary Instacart+ Membership
Receive a complimentary 3-month Instacart+ membership. Benefits end 12/31/27.
- Monthly Instacart Credit$10/yr
Receive a monthly $10 Instacart credit, up to $120 annually. Active Instacart+ membership is required.
- Baggage Delay Insurance
Reimburses essential purchases when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Covers repair or replacement for checked or carry-on baggage that is lost, damaged or stolen.
- Purchase Protection
Covers new purchases for 120 days against damage or theft.
- Trip Cancellation and Interruption Insurance
Reimburses up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or cut short by covered situations.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.