Chase and IHG have three co-branded bank cards presently open to new candidates. There’s usually confusion about who’s eligible for these playing cards (primarily based on which playing cards you presently have), so on this publish, I wish to cowl the fundamentals of what that you must know to get accepted for these playing cards.
Chase IHG Rewards bank card fundamentals
To begin, let’s cowl the annual charges and welcome bonuses out there on the three IHG bank cards issued by Chase which are presently open to new candidates:
- By way of March 19, 2025, the no annual payment IHG One Rewards Traveler Credit score Card (overview) has a restricted time welcome bonus of 100,000 factors after spending $2,000 inside three months
- By way of March 19, 2025, the $99 annual payment IHG One Rewards Premier Credit score Card (overview) has a restricted time welcome bonus of 170,000 factors after spending $4,000 inside three months
- The $99 annual payment IHG One Rewards Premier Enterprise Credit score Card (overview) has a welcome bonus of 140,000 factors after spending $4,000 inside three months
On prime of that, there’s the IHG Rewards Choose Credit score Card, which has a $49 annual payment. This card hasn’t been open to new cardmembers for a couple of years now, however some folks nonetheless have this card from again within the day.
The data and related card particulars on this web page for the IHG Rewards Membership Choose Credit score Card has been collected independently by OMAAT and has not been reviewed or offered by the cardboard issuer.
Eligibility for welcome bonuses differs between the private and enterprise variations of the cardboard, so I’d like to debate that in a bit extra element.
IHG Rewards private bank card eligibility
IHG Rewards’ private bank cards have considerably strict eligibility necessities. You’re not eligible for the welcome bonus on the IHG Rewards Premier Card or IHG Rewards Traveler Card if:
- You presently have any IHG Rewards private bank card (together with the Premier, Traveler, or Choose)
- You’ve acquired a brand new cardmember bonus on any IHG Rewards private bank card previously 24 months (enterprise playing cards don’t rely towards this restrict)
In different phrases, you’ll be able to solely choose up both the IHG Rewards Premier Card or IHG Rewards Traveler Card, however not each. And when you have the IHG Choose Card, you’re sadly not eligible for the bonus on both of these playing cards.
Within the occasion that you just’ve canceled an IHG Rewards private card on which you bought a bonus greater than 24 months in the past, I’d suggest ready at the least a month earlier than making use of for one more IHG Rewards private card, simply to be on the secure facet. That’s as a result of it will probably take some time for the system to replicate you not being a cardmember.
IHG Rewards enterprise bank card eligibility
Eligibility for the brand new IHG Rewards Premier Enterprise Card is impartial of eligibility for any of the private IHG playing cards. You’re not eligible for the bonus on this card if:
- You presently have this precise card
- You’ve acquired a brand new cardmember bonus on this precise card previously 24 months
Simply to be crystal clear, you’re eligible for each the IHG Rewards Premier Card and IHG Rewards Premier Enterprise Card.
Normal Chase bank card software restrictions
Along with the IHG Rewards particular restrictions, pay attention to Chase’s basic software restrictions:
- Chase has the 5/24 rule, whereby you sometimes gained’t be accepted for a card should you’ve opened 5 or extra new card accounts previously 24 months; nonetheless, there are more and more knowledge factors that that is not being constantly enforced
- Chase doesn’t usually have a strict restrict on what number of whole playing cards you’ll be able to have at any given level, however somewhat the limiting issue is relating to the general credit score you’ll be issued
- You possibly can sometimes be accepted for at most two Chase bank cards each 30 days, and I usually wouldn’t suggest making use of for a couple of Chase enterprise bank card each 30 days
These are simply basic tips, although do word that there’s at all times some inconsistency primarily based on what different playing cards you’ve utilized for, your general relationship with Chase, and so forth.
What credit score rating do you want for an IHG Rewards bank card?
There’s not a constant rule as to what credit score rating that you must be accepted for a Chase IHG Rewards bank card. Broadly talking, I’d suggest having a credit score rating within the “good” to “glorious” class should you’re going to use for any of those playing cards.
Personally, I most likely wouldn’t apply if my credit score rating have been beneath 700, and ideally, I’d hope to have a credit score rating of 740 or larger. That being stated, folks with scores decrease than which have been accepted for these playing cards, and conversely, folks with scores larger than which have been rejected. There are many elements that go into approval — your revenue, your credit score historical past, how a lot credit score Chase has already prolonged you, and so forth.
Lastly, anecdotally I’ve discovered that IHG playing cards are among the many best co-branded Chase playing cards to be accepted for, in order that’s at the least excellent news.
Backside line
Chase’s IHG Rewards bank cards are implausible. The excellent news is that should you’re new to IHG bank cards, you may get each the IHG Rewards Premier Card and IHG Rewards Premier Enterprise Card. This might be my technique since each playing cards have beneficiant bonuses, worthwhile perks, and are nice enhances.
A very powerful factor to grasp is that eligibility for private playing cards is mutually unique, that means you’ll be able to’t get the bonus on an IHG Rewards private card should you presently have any IHG Rewards private card (together with the IHG Choose Card), or have acquired a brand new cardmember bonus on such a card previously 24 months.
If you happen to’ve utilized for an IHG Rewards bank card, what was your expertise with getting accepted?
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