When you’ve got 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 a whole bunch of {dollars} yearly.
The three IHG playing cards at the moment have limited-time affords, with the second and third playing cards providing their highest bonuses ever.
Let’s study the welcome affords and decide which IHG One Rewards card is finest for you.
Comparability of IHG One bank card welcome affords
| Card | Welcome supply | Bonus worth* | Annual payment |
|---|---|---|---|
| IHG One Rewards Premier Credit score Card (see charges and costs) | 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 score Card (see charges and costs) | 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 Enterprise Credit score Card (see charges and costs) | 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
In the event you keep at IHG properties no less than a number of instances a yr, the Premier often is 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.
As well as, the minimal spending requirement is comparatively low and must be simple to succeed in.
Annual payment: $99
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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 price as much as 40,000 factors on every account anniversary and the choice to prime off your reward to redeem it for a extra precious evening.
Different vital perks embrace complimentary IHG Platinum Elite standing (with a pathway to Diamond), as much as $50 in United TravelBank Money per yr and reimbursement in your software payment to International Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual payment.
Factoring within the card’s fourth-night-free perk (while you use factors to pay for 3 nights and get the fourth as a bonus) is a vital consideration when fascinated by the potential worth you may 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 evaluation of the IHG One Rewards Premier card.
Apply right here: IHG One Rewards Premier
IHG One Rewards Traveler
In the event 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 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.
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 affords 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 evaluation of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler
IHG One Rewards Premier Enterprise
In the event you personal your individual enterprise, it’s possible you’ll need to take into account 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 finest supply we final noticed on this card in April. Primarily based on TPG’s September 2025 valuations, it is price as much as $1,000. In the event 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 similar nice perks of the non-public Premier card.
As an illustration, the annual free evening award (price as much as 40,000 factors) may be topped off with limitless factors, and you will additionally get pleasure from elite perks due to the automated Platinum Elite standing that comes with the cardboard. Cardholders can earn one other free evening award (price as much as 40,000 factors; in a position to be topped off) after spending $60,000 every calendar yr.
Different advantages embrace reimbursement in 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 annually.
To be taught extra, take a look at 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 supply a variety of potential worth past that preliminary haul of factors.
Elite standing
Each IHG One Rewards card affords complimentary elite standing.
For instance, Premier and Premier Enterprise cardholders obtain Platinum Elite standing.
In the event you spend various nights a yr at IHG properties, you must have the ability to recoup the $99 annual payment 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 mechanically get a fourth consecutive evening reward. In brief, the fourth evening is complimentary while you redeem factors for stays of 4 or extra.
This profit’s worth will depend on your journey fashion. This is probably not 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 price of IHG factors.
Associated: How you can maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards assist you to rack up factors quick, due to their bonus classes — together with gasoline, which may be an costly recurring buy for a lot of households.
Nevertheless it 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 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, equating to a 13% return (primarily based on TPG’s September 2025 valuations).
Shopping for factors low cost
Lastly, if it’s worthwhile to prime off your IHG factors stability, you may get a 20% low cost while you purchase factors along with your card. Mixed with the power to prime off free evening certificates, this perk could possibly be useful if you happen to’re trying to save up your awards for aspirational stays.
Associated: Do you have to purchase IHG factors or switch rewards from Chase?
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 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.
Be aware that you simply additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: In the event you at the moment have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card; not obtainable to new candidates) or if you happen to 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 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 software restrictions
Backside line
Even informal vacationers can profit from an IHG bank card due to the complimentary elite standing and free-night certificates you earn annually. Benefit from the present limited-time affords to jump-start your loyalty with IHG accommodations and you should definitely use all the cardboard’s advantages for max worth.
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
