You probably have upcoming journey to any of IHG’s manufacturers — which embody Vacation Inn, Vacation Inn Specific, Crowne Plaza, Kimpton, InterContinental and Resort Indigo — an IHG cobranded card can prevent lots of of {dollars} 12 months after 12 months.
And that is not even factoring in these new juicy welcome bonuses.
Let’s look at these welcome gives and decide which IHG One Rewards card is finest for you.
IHG One Rewards Premier Credit score Card
When you keep at IHG properties a minimum of a number of instances a 12 months, the IHG One Rewards Premier Credit score Card will be the proper alternative for you.
Welcome bonus: New cardholders can earn 170,000 bonus factors after spending $4,000 within the first three months from account opening.
In response to TPG’s January 2025 valuations, this bonus is price $850. Though the present supply is best than the standard supply supplied, it does not come near the best supply we have seen of 5 free nights (every valued as much as 60,000 factors) again in 2024. When you’re ready for the same supply, there is no saying if it will return.
Annual payment: $99
Incomes price: 10 factors per greenback on IHG stays, 5 factors per greenback on all different journey, 5 factors per greenback on eating (together with takeout and eligible supply providers) and fuel stations and three factors per greenback on all different eligible purchases.
Why we prefer it: This card comes with a free evening price as much as 40,000 factors on every account anniversary and the choice to prime off your reward to redeem it for a extra useful evening.
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Different vital perks embody automated IHG Platinum Elite standing (with a pathway to Diamond), as much as $50 of United TravelBank money per calendar 12 months, reimbursement in your utility payment to International Entry, TSA PreCheck or Nexus each 4 years and extra — all for a $99 annual payment.
Factoring within the card’s fourth-night-free perk (while you use factors to pay for 3 nights and get the fourth as a bonus) is a vital consideration when fascinated by the potential worth you may get out of it. Reward nights begin at simply 10,000 factors apiece, starting from sensible choices within the U.S. to lodgings overseas in Berlin, Brazil and past.
To study extra, try our full evaluate of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier Credit score Card
IHG One Rewards Traveler Credit score Card
When you solely stick with IHG a few times every year, the IHG One Rewards Traveler Credit score Card might make extra sense for you than IHG’s premium possibility.
Welcome bonus: New cardholders can earn 100,000 bonus factors after spending $2,000 within the first three months from account opening.
In response to TPG’s January 2025 valuations, this bonus is price $500. The very best supply for this card prior to now has been 120,000 bonus factors (and isn’t at present out there), so the present supply comes shut, nevertheless it’s definitely not the best. When you’ve been on the fence about this card, the present supply could possibly be price it.
Annual payment: $0
Incomes price: 5 factors per greenback on IHG stays, 3 factors per greenback on utilities, eating (together with takeout and eligible supply providers), choose streaming providers and fuel stations, plus 2 factors per greenback on all different eligible purchases.
Why we prefer it: IHG’s no-annual-fee card, the IHG One Rewards Traveler Credit score Card, gives automated Silver Elite standing and the flexibility to get a fourth evening free on bookings the place you pay with factors. Plus, the present welcome bonus is strong for a card with no up-front, yearly value.
To study extra, try our full evaluate of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler Credit score Card
IHG One Rewards Premier Enterprise Credit score Card
When you personal your individual enterprise, chances are you’ll need to think about the IHG One Rewards Premier Enterprise Credit score Card.
Welcome bonus: New cardholders can earn 140,000 bonus factors after spending $4,000 within the first three months from account opening.
TPG’s January 2025 valuations peg these 140,000 IHG factors at $700.
Annual payment: $99
Incomes price: 10 factors per greenback on IHG stays, 5 factors per greenback on journey, eating, fuel, social media and search engine promoting and at workplace provide shops, plus 3 factors per greenback on all different eligible purchases.
Why we prefer it: The IHG One Rewards Premier Enterprise Credit score Card mimics most of the similar nice perks on the patron IHG One Rewards Premier Credit score Card.
As an illustration, the annual free evening award (price as much as 40,000 factors) could be topped off with an infinite variety of factors, and you may additionally take pleasure in elite perks because of automated IHG Platinum Elite standing.
Cardholders will even earn a further free evening award price as much as 40,000 factors (that can be topped off with extra factors) after spending $60,000 every calendar 12 months.
Different advantages embody reimbursement in your utility payment to International Entry, TSA PreCheck or Nexus as soon as each 4 years, a fourth evening free on award stays and as much as $50 of United TravelBank credit score every calendar 12 months.
To study extra, try our full evaluate of the IHG One Rewards Premier Enterprise card.
Apply right here: IHG One Rewards Premier Enterprise Credit score Card
Causes to get an IHG One Rewards card past the bonus
Incomes a piece of bonus factors for including a brand new card to your pockets could be very attractive, however these three playing cards supply a whole lot of potential worth past that preliminary haul of factors.
Elite standing
Each IHG One Rewards card gives some degree of automated elite standing.
Fourth-night-reward profit
All IHG One Rewards cardholders routinely get a fourth consecutive evening reward. In brief, the fourth evening is complimentary while you redeem factors for stays of 4 or extra.
This profit’s worth depends upon your journey fashion. This is not very helpful for vacationers who solely ebook quick lodge stays, however it may be extremely worthwhile for vacationers who keep lengthy sufficient to make the most of this perk. And this profit has no cap on what number of factors it can save you.
TPG’s January 2025 valuations peg IHG factors at 0.5 cents every. Thus, a single fourth-night reward keep at a 20,000-point property saves you $100 price of IHG factors.
Class bonuses
The IHG One Rewards playing cards show you how to rack up factors quick, because of their bonus classes — together with fuel, which could be an costly recurring buy for a lot of households.
Nevertheless it will get higher than that. Because the IHG One Rewards Premier and the IHG One Rewards Premier Enterprise grant you automated Platinum Elite standing, you may additionally earn a 60% factors bonus on IHG lodge stays.
IHG One Rewards 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 whole per greenback spent on these playing cards on IHG lodge stays.
20% low cost on shopping for factors
Lastly, if it is advisable prime off your IHG factors steadiness, you may get a 20% low cost while you purchase factors together with your card. Mixed with the flexibility to prime off free evening certificates, this perk could possibly be helpful should you’re trying to save up your awards for aspirational stays.
Software guidelines
You possibly can have a number of IHG bank cards, however know that the IHG One Rewards playing cards, like all different Chase playing cards, are topic to Chase’s 5/24 rule. This implies should you’ve opened 5 or extra private bank card accounts throughout all banks within the final 24 months, Chase is unlikely to approve you.
Be aware that you simply additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: When you at present have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card that is not out there to new candidates) or should you acquired a brand new cardholder bonus on any private IHG bank card prior to now 24 months.
- For the IHG Enterprise card: You acquired 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 supplied by the cardboard issuer.
Associated: The final word information to bank card utility restrictions
Backside line
Even informal vacationers can profit from an IHG bank card because of the automated elite standing and free-night certificates you earn every year. And when you think about these strong welcome gives, now could possibly be a good time to use.
Apply right here: IHG One Rewards Premier Credit score Card
Apply right here: IHG One Rewards Traveler Credit score Card
Apply right here: IHG One Rewards Premier Enterprise Credit score Card
