Vacationers with plans to remain at an IHG model and IHG One Rewards loyalists, pay attention up: You may save a whole bunch 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 due to some stellar welcome affords on the 2 private playing cards.
Whether or not you are reserving a Crowne Plaza or Kimpton or in search of out a Vacation Inn on 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
Earn 175,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. Provide ends March 18.
$875
$99
Earn 90,000 bonus factors after spending $2,000 on purchases within the first three months from account opening.
Plus, earn as much as 30,000 bonus factors by incomes 3 extra factors per greenback spent on purchases that earn 2 and three factors per greenback on as much as $10,000 spent within the first six months.
Provide 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 relies on TPG’s February 2026 valuations and isn’t offered or reviewed by the issuer.
IHG One Rewards Premier
When you keep at IHG properties at the very least a couple of instances a yr, 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. Provide ends March 18.
TPG’s valuations place this bonus at $875.
The very best provide now we have seen within the card’s historical past offered as much as 300,000 factors (within the type of 5 free nights valued at 60,000 factors every; provide now not accessible). Nevertheless, that is nonetheless larger than the cardboard’s typical bonus, so now is an effective time to use in the event you’ve been eyeing the cardboard.
Annual price: $99
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Incomes charges:
10 factors per greenback spent on IHG stays5 factors per greenback on all different journey, eating (together with takeout and eligible supply companies) and gasoline stations3 factors per greenback on all different eligible purchases
Why we prefer it: This card comes with a free evening (value as much as 40,000 factors on every account anniversary) and the choice to prime off your award to redeem it for a extra worthwhile evening.
Different necessary perks embrace complimentary IHG Platinum Elite standing (with a pathway to top-tier Diamond), as much as $50 in United TravelBank Money per yr and reimbursement on your software price to World Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual price.
Factoring within the card’s fourth-night-free perk (if you use factors to pay for 3 nights and get the fourth as a bonus) is a vital consideration when eager 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 be taught extra, learn our full overview of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier
IHG One Rewards Traveler
When you solely stick with IHG a few 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 openingEarn 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
Provide ends March 18.
This bonus is value as much as $600, per TPG’s valuations.
The very best provide we have seen within the card’s historical past 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). Nevertheless, the present provide actually outpaces the usual bonus on this card. For no annual price, as much as 120,000 bonus factors is a strong haul.
Annual price: $0
Incomes charges:
5 factors per greenback on IHG stays3 factors per greenback on utilities, eating (together with takeout and eligible supply companies), choose streaming companies and gasoline stations2 factors per greenback on all different eligible purchases
Why we prefer it: This card affords complimentary Silver Elite standing and a fourth evening free on bookings paid with factors. Plus, the present welcome bonus is great for a card with no annual price.
To be taught extra, learn our full overview of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler
IHG One Rewards Premier Enterprise
When you personal your personal enterprise, it’s possible you’ll need to think about 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.
The very best provide now we have seen within the card’s historical past 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 price: $99
Incomes charges:
10 factors per greenback on IHG stays5 factors per greenback on eating, gasoline stations, workplace provide shops, search engine promoting, social media and travel3 factors per greenback on all different eligible purchases
Why we prefer it: The Premier Enterprise mimics lots of the similar nice perks of the non-public Premier card.
As an example, the annual free evening award (value as much as 40,000 factors) will be topped off with limitless factors, and you may additionally get pleasure from elite perks due to the automated Platinum Elite standing that comes with the cardboard.
Cardholders can earn one other free evening award (value as much as 40,000 factors, which will be topped off) after spending $60,000 every calendar yr.
Different advantages embrace reimbursement on your software price to World Entry, TSA PreCheck or Nexus as soon as each 4 years, a fourth evening free on award stays and as much as $50 in United TravelBank Money every year.
To be taught extra, learn our full overview of the IHG One Rewards Premier Enterprise card.
Apply right here: IHG One Rewards Premier Enterprise
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 could be very engaging, however these three playing cards provide lots of potential worth past that.
Elite standing
Each IHG One Rewards card affords complimentary elite standing. The IHG Premier and Premier Enterprise cardholders obtain Platinum Elite standing.
Plus, in the event you spend various nights a yr at IHG properties, it’s best to be capable to recoup the $99 annual price on the patron or enterprise model of the Premier card.
Platinum Elite advantages embrace 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 mechanically get a fourth consecutive evening reward. In brief, the fourth evening is complimentary if you redeem factors for stays of 4 or extra.
This profit’s worth will depend on your journey fashion. This might not be very helpful for vacationers who usually e-book quick 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.
Once you think about our valuation of IHG factors at 0.5 cents every, a four-night award keep at a 20,000-point property would prevent $100 value of IHG factors.
Associated: How one can maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards assist you rack up factors quick, due to their bonus classes. These classes embrace gasoline, 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 gives 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 it’s good to prime off your IHG factors steadiness, you will get a 20% low cost if you purchase factors along with your card. Mixed with the power to prime off free evening certificates, this perk could possibly be useful in the event you’re seeking to save up your awards for aspirational stays.
Associated: Do you have to purchase IHG factors or switch rewards from Chase?
Utility 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 in the event you’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: When you at present 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 in the event you obtained a brand new cardholder bonus on any private IHG bank card previously 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 final word information to bank card software restrictions
Backside line
Even informal vacationers can profit from an IHG bank card due to the complimentary elite standing and free evening 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 spanking new cardholders to gather a stash of factors.
Apply right here: IHG One Rewards Premier Credit score CardApply right here: IHG One Rewards Traveler Credit score CardApply right here: IHG One Rewards Premier Enterprise
