When you have upcoming journey to any of IHG’s manufacturers — together with Crowne Plaza, Vacation Inn, Resort Indigo, InterContinental or Kimpton — an IHG cobranded card can prevent lots of of {dollars} yearly.
The three IHG playing cards at present have limited-time gives, with the second and third playing cards providing their highest bonuses ever.
Let’s look at the welcome gives and decide which IHG One Rewards card is greatest for you.
Comparability of IHG One bank card welcome gives
| Card | Welcome supply | Bonus worth* | Annual payment |
|---|---|---|---|
| IHG One Rewards Premier Credit Card (see rates and fees) | Earn 165,000 bonus factors after spending $3,000 on purchases within the first three months from account opening. | $825 | $99 |
| IHG One Rewards Traveler Credit Card (see rates and fees) | Earn two free nights (every evening valued as much as 50,000 factors), plus 40,000 bonus factors after spending $2,000 on purchases within the first three months from account opening. | $700 | $0 |
| IHG One Rewards Premier Business Credit Card (see rates and fees) | Earn as much as 200,000 bonus factors: 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening and an extra 60,000 bonus factors after spending $9,000 within the first six months from account opening. | As much as $1,000 | $99 |
*The bonus worth is predicated on TPG’s September 2025 valuations and isn’t offered or reviewed by the issuer.
IHG One Rewards Premier
Should you keep at IHG properties at the least a number of instances a yr, the Premier stands out as the proper selection for you.
Welcome bonus: Earn 165,000 bonus factors after spending $3,000 on purchases within the first three months of account opening.
The best offer we have now seen on this card has been as much as 300,000 factors (within the type of 5 free nights valued at 60,000 factors every; supply now not accessible). This makes the present supply not as profitable, however a slight enchancment over its commonplace supply of 140,000 bonus factors.
As well as, the minimal spending requirement is comparatively low and needs to be simple to succeed in.
Annual payment: $99
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Incomes charges:
- 10 factors per greenback spent on IHG stays
- 5 factors per greenback on all different journey
- 5 factors per greenback on eating (together with takeout and eligible supply companies) and gasoline stations
- 3 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 top off your reward to redeem it for a extra helpful evening.
Different vital perks embody complimentary IHG Platinum Elite status (with a pathway to Diamond), as much as $50 in United TravelBank Money per yr and reimbursement to your software payment to Global Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual payment.
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) is a vital consideration when interested by the potential worth you will 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 be taught extra, take a look at our full review of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier
IHG One Rewards Traveler
Should you solely stick with IHG a couple of times every year, the Traveler might make extra sense for you than IHG’s mid-tier choice.
Welcome bonus: Earn two free nights (every evening valued as much as 50,000 factors), plus 40,000 bonus factors after spending $2,000 on purchases within the first three months of account opening.
That is the best offer we have now seen on the cardboard and the primary time it is supplied free nights as a part of the welcome bonus. The free nights, mixed with the 40,000 bonus factors, provide you with a complete worth of as much as 140,000 factors, value $700 based mostly on TPG’s September 2025 valuations.
Annual payment: $0
Incomes charges:
- 5 factors per greenback on IHG stays
- 3 factors per greenback on utilities, eating (together with takeout and eligible supply companies), choose streaming companies and gasoline stations
- 2 factors per greenback on all different eligible purchases
Why we prefer it: This card gives complimentary Silver Elite standing and the power to get a fourth evening free on bookings the place you pay with factors. Plus, the present welcome bonus is great for a card with no annual payment.
To be taught extra, take a look at our full review of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler
IHG One Rewards Premier Enterprise
Should you personal your personal enterprise, chances are you’ll wish to think about the Premier Enterprise.
Welcome bonus: Earn as much as 200,000 bonus factors: 140,000 bonus factors after spending $4,000 on purchases within the first three months from account opening and an extra 60,000 bonus factors after spending $9,000 within the first six months from account opening.
This can be a repeat of the best offer we final noticed on this card in April. Primarily based on TPG’s September 2025 valuations, it is value as much as $1,000. Should you missed this nice welcome supply beforehand, now’s the time to use.
Annual payment: $99
Incomes charges:
- 10 factors per greenback on IHG stays
- 5 factors per greenback on eating, gasoline, 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 lots of the identical nice perks of the private Premier card.
For example, the annual free evening award (value as much as 40,000 factors) may be topped off with limitless factors, and you may additionally take pleasure in elite perks because of 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; capable of be topped off) after spending $60,000 every calendar yr.
Different advantages embody reimbursement to your software 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 in United TravelBank Money every year.
To be taught extra, take a look at our full review of the IHG One Rewards Premier Business card.
Apply right here: IHG One Rewards Premier Business
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 attractive, however these three playing cards supply lots of potential worth past that preliminary haul of factors.
Elite standing
Each IHG One Rewards card gives complimentary elite standing.
For instance, Premier and Premier Business cardholders obtain Platinum Elite standing.
Should you spend quite a lot of nights a yr at IHG properties, you need to be capable to recoup the $99 annual payment on the patron or enterprise model of the Premier card. Platinum Elite advantages embody 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 once you redeem factors for stays of 4 or extra.
This profit’s worth depends upon your journey model. This might not be very helpful for vacationers who solely e book brief 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.
With our September 2025 valuation of IHG factors at 0.5 cents every, a four-night reward keep at a 20,000-point property saves you $100 value of IHG factors.
Associated: How to maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards allow you to rack up factors quick, because of their bonus classes — together with gas, which may be an costly recurring buy for a lot of households.
But it surely will get higher than that. For the reason that 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 complete per greenback spent on these playing cards on IHG lodge stays, equating to a 13% return (based mostly on TPG’s September 2025 valuations).
Shopping for factors low cost
Lastly, if it is advisable to high off your IHG factors stability, you will get a 20% low cost once you purchase factors along with your card. Mixed with the power to high off free evening certificates, this perk might be useful in the event you’re seeking to save up your awards for aspirational stays.
Associated: Should you buy IHG points or transfer rewards from Chase?
Software 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.
Word that you just additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: Should 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 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 knowledge 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 ultimate guide to credit card application restrictions
Backside line
Even informal vacationers can profit from an IHG bank card because of the complimentary elite standing and free-night certificates you earn every year. Benefit from the present limited-time gives to jump-start your loyalty with IHG lodges and you’ll want to use all the cardboard’s advantages for max worth.
Apply right here: IHG One Rewards Premier Credit Card
Apply right here: IHG One Rewards Traveler Credit Card
Apply right here: IHG One Rewards Premier Business
Trending Merchandise
