If in case you have upcoming journey to any of IHG’s manufacturers — which embrace Vacation Inn, Vacation Inn Categorical, Crowne Plaza, Kimpton, InterContinental and Lodge Indigo — an IHG cobranded card can prevent tons of of {dollars} 12 months after 12 months.
And that is not even factoring in these juicy welcome bonuses.
Let’s look at these welcome affords and decide which IHG One Rewards card is greatest for you.
IHG One Rewards Premier Credit score Card
Signal-up bonus: New cardholders earn 140,000 bonus factors after spending $3,000 within the first three months from account opening
In response to TPG’s October 2024 valuations, this bonus is value as much as $700. That is the normal welcome provide we usually see on this card.
Annual price: $99
Incomes fee: 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 gasoline stations, in addition to 3 factors per greenback on all different eligible purchases.
Why we prefer it: This card comes with a free night time value as much as 40,000 factors on every account anniversary and the choice to high off your reward to redeem it for a extra useful night time. Different vital perks embrace computerized IHG Platinum Elite standing (with a pathway to Diamond), as much as $50 of United TravelBank money per calendar 12 months, reimbursement in your software price to International Entry, TSA PreCheck or Nexus each 4 years and extra — all for a $99 annual price.
Factoring within the card’s fourth-night-free perk (once you use factors to pay for 3 nights and get the fourth as a bonus), you possibly can rise up to twenty award nights at IHG accommodations with this one sign-up bonus. 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.
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For extra particulars, see our full evaluate of the IHG Premier card.
Apply right here: IHG One Rewards Premier Credit score Card
IHG One Rewards Traveler Credit score Card
Signal-up 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 October 2024 valuations, this bonus is value $500. This provide is barely beneath the best-ever welcome provide now we have seen on the cardboard however meets our standards for when to use.
Annual price: $0
Incomes fee: 5 factors per greenback on IHG stays, 3 factors per greenback on utilities, web, cable, telephone and choose streaming providers, 3 factors per greenback on eating (together with takeout and eligible supply providers) and gasoline stations in addition to 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, affords computerized Silver Elite standing and the flexibility to get a fourth night time free on bookings the place you pay with factors. Plus, the present sign-up bonus is stable for a card with no up-front, yearly price.
For extra particulars, see our full evaluate of the IHG Traveler card.
Apply right here: IHG One Rewards Traveler Credit score Card
IHG One Rewards Premier Enterprise Credit score Card
Signal-up bonus: Earn 140,000 bonus factors after spending $4,000 within the first three months from account opening. TPG’s October 2024 valuations peg the 140,000 IHG factors at $700.
Annual price: $99
Incomes fee: 10 factors per greenback on IHG stays, 5 factors per greenback on journey, eating, gasoline, social media and search engine promoting and at workplace provide shops, in addition to 3 factors per greenback on all different eligible purchases.
Why we prefer it: The IHG One Rewards Premier Enterprise Credit score Card mimics lots of the identical nice perks on the buyer model — the IHG One Rewards Premier Credit score Card.
For example, the annual free night time award (value as much as 40,000 factors) may be topped off with a vast variety of factors, and you may additionally get pleasure from elite perks because of computerized IHG Platinum elite standing. Cardholders may even obtain a further free night time award value as much as 40,000 factors (that can be topped off with further factors) after spending $60,000 every calendar 12 months.
Different advantages embrace reimbursement in your software price 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 of United TravelBank credit score every calendar 12 months.
For extra particulars, see our full evaluate of the IHG 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 may be very engaging, however these three playing cards provide a number of potential worth past that preliminary haul of factors.
Elite standing
Each IHG One Rewards card affords some degree of computerized elite standing.
For instance, IHG One Rewards Premier and IHG One Rewards Premier Enterprise cardholders will earn computerized IHG Platinum Elite standing. You must be capable to recoup the $99 annual price on the buyer or enterprise model of the Premier card in the event you spend quite a lot of nights a 12 months at IHG properties.
Fourth-night-reward profit
All IHG One Rewards cardholders mechanically get a fourth consecutive night time reward. Briefly, the fourth night time is complimentary once you redeem factors for stays of 4 or extra.
This profit’s worth is determined by your journey fashion. This is not very helpful for vacationers who solely guide 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 October 2024 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 value of IHG factors.
Class bonuses
The IHG One Rewards playing cards enable you to rack up factors quick, because of their bonus classes — together with gasoline, which may be an costly recurring buy for a lot of households.
However it will get higher than that. Because the IHG One Rewards Premier and the IHG One Rewards Premier Enterprise grant you computerized Platinum Elite standing, you will 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 gives 16 factors per greenback at IHG properties. Add that to the ten factors per greenback you earn with the cardboard and you will get 26 factors complete per greenback spent on the cardboard on IHG lodge stays.
20% low cost on shopping for factors
Lastly, if it’s good to high off your IHG factors stability, you will get a 20% low cost once you purchase factors together with your card. Mixed with the flexibility to high off free night time certificates, this perk might be useful in the event you’re trying to save up your awards for aspirational stays.
Utility guidelines
You may 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 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.
Notice that you simply 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 that is now not accessible to new candidates) or in the event you acquired a bonus on any private IHG bank card up to now 24 months.
- For the IHG Enterprise card: You acquired a brand new cardmember bonus on this card within the final 24 months.
Associated: The last word information to bank card software 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 annually. And when you consider these stable welcome affords, now might 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
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