Vacationers with plans to remain at an IHG model and IHG One Rewards loyalists, hear up: You would save tons of of {dollars} every year by including an IHG cobranded card to your pockets.
Making use of for an IHG card proper now may carry you an inflow of factors that can assist you plan your subsequent journey. That is because of some stellar welcome affords on the 2 private playing cards.
Whether or not you are reserving a Crowne Plaza or Kimpton or looking for out a Vacation Inn to your upcoming trip, let’s dive into these IHG playing cards, their present bonuses and see which one is greatest for you.
Comparability of IHG One bank card welcome affords
| Card | Welcome provide | Bonus worth* | Annual payment |
|---|---|---|---|
|
Earn 175,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. Supply ends March 18. |
$875 |
$99 |
|
|
Earn as much as 120,000 bonus factors:
Supply ends March 18. |
As much as $600 |
$0 |
|
|
Earn 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. |
$700 |
$99 |
*The bonus worth is predicated on TPG’s February 2026 valuations and isn’t offered or reviewed by the issuer.
IHG One Rewards Premier
In the event you keep at IHG properties a minimum of a couple of instances a 12 months, the Premier could be the proper selection for you.
Welcome bonus: Earn 175,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. Supply ends March 18.
TPG’s valuations place this bonus at $875.
One of the best provide we have now seen in the card’s history offered as much as 300,000 factors (within the type of 5 free nights valued at 60,000 factors every; provide now not accessible). Nonetheless, that is nonetheless greater than the cardboard’s typical bonus, so now is an effective time to use if you happen to’ve been eyeing the cardboard.
Annual payment: $99
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Incomes charges:
- 10 factors per greenback spent on IHG stays
- 5 factors per greenback on all different journey, eating (together with takeout and eligible supply companies) and fuel stations
- 3 factors per greenback on all different eligible purchases
Why we prefer it: This card comes with a free night time (price as much as 40,000 factors on every account anniversary) and the choice to top off your award to redeem it for a extra precious night time.
Different necessary perks embody complimentary IHG Platinum Elite status (with a pathway to top-tier Diamond), as much as $50 in United TravelBank Money per 12 months and reimbursement to your utility payment to Global Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual payment.
Factoring within the card’s fourth-night-free perk (whenever you use factors to pay for 3 nights and get the fourth as a bonus) is a crucial consideration when excited about the potential worth you will get out of it.
IHG award nights begin at simply 5,000 factors apiece, starting from sensible choices within the U.S. to lodgings overseas in Berlin, Brazil and past.
To study extra, learn our full review of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier
IHG One Rewards Traveler
In the event you solely stick with IHG a couple of times every year, the Traveler might make extra sense for you than IHG’s mid-tier choice.
Welcome bonus: Earn as much as 120,000 bonus factors:
- Earn 90,000 bonus factors after spending $2,000 on purchases within the first three months from account opening
- Earn a further as much as 30,000 bonus factors by incomes 3 extra factors per greenback on purchases that earn 2 and three factors per greenback on as much as $10,000 spent within the first six months
Supply ends March 18.
This bonus is price as much as $600, per TPG’s valuations.
One of the best provide we have seen in the card’s history has been for 2 free nights and 40,000 bonus factors (for a complete of as much as 140,000 bonus factors; now not accessible). Nonetheless, the present provide actually outpaces the usual bonus on this card. For no annual payment, as much as 120,000 bonus factors is a strong haul.
Annual payment: $0
Incomes charges:
- 5 factors per greenback on IHG stays
- 3 factors per greenback on utilities, eating (together with takeout and eligible supply companies), choose streaming companies and fuel stations
- 2 factors per greenback on all different eligible purchases
Why we prefer it: This card affords complimentary Silver Elite standing and a fourth night time free on bookings paid with factors. Plus, the present welcome bonus is great for a card with no annual payment.
To study extra, learn our full review of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler
IHG One Rewards Premier Enterprise
In the event you personal your personal enterprise, chances are you’ll wish to take into account the Premier Enterprise.
Welcome bonus: Earn 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.
TPG’s valuations place the worth of this bonus at $700.
One of the best provide we have now seen in the card’s history was for as much as 200,000 bonus factors (now not accessible). The present 140,000-point bonus is the usual provide on the cardboard, so we advocate ready to use for this one.
Annual payment: $99
Incomes charges:
- 10 factors per greenback on IHG stays
- 5 factors per greenback on eating, fuel stations, workplace provide shops, search engine promoting, social media and journey
- 3 factors per greenback on all different eligible purchases
Why we prefer it: The Premier Enterprise mimics lots of the similar nice perks of the private Premier card.
As an illustration, the annual free night time award (price as much as 40,000 factors) will be topped off with limitless factors, and you may additionally take pleasure in elite perks because of the automated Platinum Elite standing that comes with the cardboard.
Cardholders can earn one other free night time award (price as much as 40,000 factors, which will be topped off) after spending $60,000 every calendar 12 months.
Different advantages embody reimbursement to your utility payment to International Entry, TSA PreCheck or Nexus as soon as each 4 years, a fourth night time free on award stays and as much as $50 in United TravelBank Money every year.
To study extra, learn our full review of the IHG One Rewards Premier Business card.
Apply right here: IHG One Rewards Premier Business
Causes to get an IHG One Rewards card past the bonus
Incomes a bit of bonus factors for including a brand new card to your pockets may be very engaging, however these three playing cards provide quite a lot of potential worth past that.
Elite standing
Each IHG One Rewards card affords complimentary elite standing. The IHG Premier and Premier Business cardholders obtain Platinum Elite standing.
Plus, if you happen to spend quite a lot of nights a 12 months at IHG properties, it is best to be capable of recoup the $99 annual payment on the buyer or enterprise model of the Premier card.
Platinum Elite advantages embody early check-in and late checkout (topic to availability) and 60% bonus factors on IHG stays.
Fourth-night-free profit
All IHG One Rewards cardholders robotically get a fourth consecutive night time reward. In brief, the fourth night time is complimentary whenever you redeem factors for stays of 4 or extra.
This profit’s worth will depend on your journey type. This might not be very helpful for vacationers who sometimes e-book brief lodge stays, however it may be extremely worthwhile for vacationers who keep lengthy sufficient to make use of it. Plus, this profit does not cap the variety of factors it can save you.
If you consider our valuation of IHG factors at 0.5 cents every, a four-night award keep at a 20,000-point property would prevent $100 price of IHG factors.
Associated: How to maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards show you how to rack up factors quick, because of their bonus classes. These classes embody fuel, which will be an costly recurring buy for a lot of households.
Nevertheless it will get higher than that. Because the Premier and the Premier Enterprise grant you complimentary Platinum Elite standing, you will additionally earn a 60% factors bonus on IHG lodge stays.
IHG One Rewards base members earn 10 factors per greenback spent at most properties, so the 60% elite bonus offers 16 factors per greenback at IHG properties. Add that to the ten factors per greenback you earn with both card, and you will get 26 factors per greenback spent on IHG lodge stays, equating to a 13% return (based mostly on TPG’s valuations).
Shopping for factors low cost
Lastly, if you must prime off your IHG factors steadiness, you will get a 20% low cost whenever you purchase factors together with your card. Mixed with the flexibility to prime off free night time certificates, this perk could possibly be useful if you happen to’re seeking to save up your awards for aspirational stays.
Associated: Should you buy IHG points or transfer rewards from Chase?
Software guidelines
You possibly can have a number of IHG bank cards, however know that the IHG One Rewards playing cards are topic to Chase’s 5/24 rule. This implies if you happen to’ve opened 5 or extra private bank card accounts throughout all banks within the final 24 months, Chase is unlikely to approve you.
Observe that you simply additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: In the event you at the moment have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card; now not accessible to new candidates) or if you happen to obtained a brand new cardholder bonus on any private IHG bank card up to now 24 months.
- For the IHG Enterprise card: You obtained a brand new cardmember bonus on this card within the final 24 months.
The data for the IHG One Rewards Choose Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The ultimate guide to credit card application restrictions
Backside line
Even informal vacationers can profit from an IHG bank card because of the complimentary elite standing and free night time certificates you earn every year.
Plus, now is a superb time to use for the Premier or Traveler playing cards, since they’re providing elevated bonuses for brand new cardholders to gather a stash of factors.
Apply right here: IHG One Rewards Premier Credit Card
Apply right here: IHG One Rewards Traveler Credit Card
Apply right here: IHG One Rewards Premier Business
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