If in case you have upcoming journey to any of IHG’s manufacturers — together with Vacation Inn, Vacation Inn Specific, Crowne Plaza, Kimpton, InterContinental and Resort Indigo — an IHG cobranded card can prevent lots of of {dollars} yr after yr.
And that is not even factoring in these juicy welcome bonuses. The enterprise card is providing its highest-ever bonus, so now is a good time to use for it.
Let’s study these welcome presents and decide which IHG One Rewards card is greatest for you.
IHG One Rewards Premier Enterprise Credit score Card
When you personal your individual enterprise, chances are you’ll wish to take into account the IHG One Rewards Premier Business Credit Card.
Welcome bonus: Earn as much as 200,000 bonus factors: 140,000 after spending $4,000 within the first three months from account opening and one other 60,000 after spending a complete of $9,000 within the first six months from account opening.
TPG’s March 2025 valuations peg these 200,000 IHG factors as much as $1,000.
This can be the most effective provide ever on this card — considerably increased than its normal provide, which permits cardholders to earn simply the primary a part of this present bonus.
Annual price: $99
Incomes charge: 10 factors per greenback on IHG stays, 5 factors per greenback on journey, eating, fuel, social media and search engine promoting and at workplace provide shops, plus 3 factors per greenback on all different eligible purchases.
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Why we prefer it: The IHG One Rewards Premier Enterprise Credit score Card mimics lots of the similar nice perks of the buyer IHG One Rewards Premier Credit score Card.
As an example, the annual free night time award (price as much as 40,000 factors) could be topped off with an infinite variety of factors, and you may additionally get pleasure from elite perks because of automated IHG Platinum Elite standing.
Cardholders will even earn an extra free night time award price as much as 40,000 factors (that may also be topped off with further factors) after spending $60,000 every calendar yr.
Different advantages embody reimbursement on your software price to Global 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 yr.
To be taught extra, try our full review of the IHG One Rewards Premier Business card.
Apply right here: IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Credit score Card
When you keep at IHG properties at the least a couple of instances a yr, the IHG One Rewards Premier Credit Card stands out as the proper alternative for you.
Welcome bonus: Earn 140,000 bonus factors after spending $3,000 on purchases inside three months of account opening.
In response to TPG’s March 2025 valuations, this bonus is price $700.
That is the cardboard’s normal provide and would not come near the highest offer we have seen. When you do not want this card straight away, chances are you’ll wish to anticipate a greater provide earlier than making use of.
Annual price: $99
Incomes charge: 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 fuel stations and three 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 top off your reward to redeem it for a extra priceless night time.
Different vital perks embody automatic IHG Platinum Elite status (with a pathway to Diamond), as much as $50 of United TravelBank money per calendar yr, reimbursement on your software price to Global 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) is a vital consideration when enthusiastic about 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, try our full review of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier Credit Card
IHG One Rewards Traveler Credit score Card
When you solely stick with IHG a few times annually, the IHG One Rewards Traveler Credit Card could make extra sense for you than IHG’s premium possibility.
Welcome bonus: Earn 80,000 bonus factors after spending $2,000 on purchases within the first three months from account opening.
In response to TPG’s March 2025 valuations, this bonus is price $400.
That is the cardboard’s normal provide and falls in need of the highest offer for this card prior to now. When you do not want this card quickly, chances are you’ll wish to anticipate an elevated provide.
Annual price: $0
Incomes charge: 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, plus 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, presents automated Silver Elite standing and the flexibility to get a fourth night time free on bookings the place you pay with factors. Plus, the present welcome bonus is strong for a card with no upfront, yearly value.
To be taught extra, try our full review of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler Credit Card
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 may be very engaging, however these three playing cards provide plenty of potential worth past that preliminary haul of factors.
Elite standing
Each IHG One Rewards card presents some degree of automated elite standing.
For instance, IHG One Rewards Premier and IHG One Rewards Premier Business cardholders will earn automated IHG Platinum Elite standing. You must be capable to recoup the $99 annual price on the buyer or enterprise model of the Premier card should you spend quite a lot of nights a yr at IHG properties by way of the advantages Platinum Elite standing gives.
Fourth-night-reward profit
All IHG One Rewards cardholders automatically get a fourth consecutive night reward. In brief, the fourth night time is complimentary once you redeem factors for stays of 4 or extra.
This profit’s worth is dependent upon your journey fashion. This is not very helpful for vacationers who solely e-book 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 March 2025 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 price of IHG factors.
Class bonuses
The IHG One Rewards playing cards make it easier to rack up factors quick, because of their bonus classes — together with gas, which could be an costly recurring buy for a lot of households.
However it will get higher than that. For the reason that IHG One Rewards Premier and the IHG One Rewards Premier Business grant you automated Platinum Elite standing, you may 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 both card and you will get 26 factors complete per greenback spent on these playing cards on IHG lodge stays.
20% low cost on shopping for factors
Lastly, if you have to prime off your IHG factors stability, you will get a 20% low cost once you purchase factors along with your card. Mixed with the flexibility to prime off free night time certificates, this perk may very well be helpful should you’re seeking to save up your awards for aspirational stays.
Utility guidelines
You possibly can 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 should 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: When you presently have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card that is not out there to new candidates) or should you acquired a brand new cardholder bonus on any private IHG bank card prior to now 24 months.
- For the IHG Enterprise card: You acquired 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 automated elite standing and free-night certificates you earn annually. And when you consider these strong welcome presents, now may very well be a good time to use.
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 Credit Card