Vacationers with plans to remain at an IHG model and IHG One Rewards loyalists, pay attention up: You can save a whole bunch of {dollars} annually by including an IHG cobranded card to your pockets.
Making use of for an IHG card proper now might carry you an inflow of factors that can assist you plan your subsequent journey. That is due to some stellar welcome provides on the 2 private playing cards, however now’s your final probability to reap the benefits of them. They will finish on March 18 at 9 a.m. ET.
Whether or not you are reserving a Crowne Plaza or Kimpton or in search of out a Vacation Inn to your upcoming trip, let’s dive into these IHG playing cards, their present bonuses and see which one is finest for you.
Comparability of IHG One bank card welcome provides
| Card | Welcome provide | Bonus worth* | Annual charge |
|---|---|---|---|
|
Earn 175,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. Now could be your final probability to earn this provide, because it ends March 18 at 9 a.m. ET. |
$875 |
$99 |
|
|
Earn as much as 120,000 bonus factors:
Now could be your final probability to earn this provide, because it ends March 18 at 9 a.m. ET. |
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 March 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 number of occasions a yr, the Premier stands out as 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. Now could be your final probability to earn this provide, because it ends March 18 at 9 a.m. ET.
TPG’s valuations place this bonus at $875.
One of the best provide we have now 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 not out there). 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, since it is your final probability to earn it.
Annual charge: $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 providers) 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 prime off your award to redeem it for a extra priceless night time.
Different vital 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 to your utility charge to World Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual charge.
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 desirous 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 evaluation 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 couple of times annually, the Traveler could make extra sense for you than IHG’s mid-tier possibility.
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 an extra 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
Now could be your final probability to earn this provide, because it ends March 18 at 9 a.m. ET.
This bonus is price as much as $600, per TPG’s valuations.
One of the 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; not out there). Nonetheless, the present provide actually outpaces the usual bonus on this card. For no annual charge, as much as 120,000 bonus factors is a stable haul, and now’s your final probability to earn it.
Annual charge: $0
Incomes charges:
- 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
- 2 factors per greenback on all different eligible purchases
Why we prefer it: This card provides complimentary Silver Elite standing and a fourth night time free on bookings paid with factors. Plus, the present welcome bonus is superb for a card with no annual charge.
To study extra, learn our full evaluation of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler
IHG One Rewards Premier Enterprise
When you personal your individual enterprise, it’s possible you’ll wish to contemplate 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 within the card’s historical past was for as much as 200,000 bonus factors (not out there). The present 140,000-point bonus is the usual provide on the cardboard, so we suggest ready to use for this one.
Annual charge: $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 most of the similar nice perks of the non-public Premier card.
As an example, the annual free night time award (price as much as 40,000 factors) could be topped off with limitless factors, and you may additionally take pleasure in elite perks due to 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 could be topped off) after spending $60,000 every calendar yr.
Different advantages embrace reimbursement to your utility charge to World 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 annually.
To study extra, learn our full evaluation 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 provides complimentary elite standing. The IHG Premier and Premier Enterprise cardholders obtain Platinum Elite standing.
Plus, if you happen to spend various nights a yr at IHG properties, you must be capable to recoup the $99 annual charge on the buyer 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 robotically get a fourth consecutive night time reward. Briefly, the fourth night time is complimentary whenever you redeem factors for stays of 4 or extra.
This profit’s worth relies on your journey fashion. This might not be very helpful for vacationers who sometimes 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 would not cap the variety of factors it can save you.
Whenever 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 price of IHG factors.
Associated: Methods to maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards aid you rack up factors quick, due to their bonus classes. These classes embrace fuel, which could 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 may 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 supplies 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 (primarily based on TPG’s valuations).
Shopping for factors low cost
Lastly, if you’ll want to prime off your IHG factors steadiness, you will get a 20% low cost whenever you purchase factors together with your card. Mixed with the power to prime off free night time certificates, this perk may very well be helpful if you happen to’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’ll be able to 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 just additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: When you at the moment have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card; not out there 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 last word information to bank card utility restrictions
Backside line
Even informal vacationers can profit from an IHG bank card due to the complimentary elite standing and free night time certificates you earn annually.
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. Nonetheless, it is your final probability to earn considered one of these provides, since they’ll each finish March 18 at 9 a.m. ET.
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
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