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$99
Annual Fee
175,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
IHG One Rewards
Point Valuation
0.5–0.6 cpp (mid: 0.6)
Credit Required
Good to Excellent
Welcome Offer
175,000
Hotel
Spend $5,000 in the first 3 months
5X
5X points per $1 at IHG Hotels & Resorts
5X
5X points at gas stations
5X
5X points on travel purchases
5X
Earn 5X total points on dining
Benefits & Perks
Program & Transfers
Stay more, unlock more.
IHG One Rewards is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #31 of 119 |
For business owners who stay at IHG properties, this card delivers exceptional value through its welcome offer, anniversary night, and fourth night free benefit, while cleverly bypassing Chase application restrictions for those maximizing their card strategy.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 21.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |

$99
Annual Fee
175,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
IHG One Rewards
Point Valuation
0.5–0.6 cpp (mid: 0.6)
Credit Required
Good to Excellent
Welcome Offer
175,000
Hotel
Spend $5,000 in the first 3 months
5X
5X points per $1 at IHG Hotels & Resorts
5X
5X points at gas stations
5X
5X points on travel purchases
5X
Earn 5X total points on dining
Benefits & Perks
Program & Transfers
Stay more, unlock more.
IHG One Rewards is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #31 of 119 |
For business owners who stay at IHG properties, this card delivers exceptional value through its welcome offer, anniversary night, and fourth night free benefit, while cleverly bypassing Chase application restrictions for those maximizing their card strategy.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 21.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |

$99
Annual Fee
175,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
IHG One Rewards
Point Valuation
0.5–0.6 cpp (mid: 0.6)
Credit Required
Good to Excellent
Welcome Offer
175,000
Hotel
Spend $5,000 in the first 3 months
5X
5X points per $1 at IHG Hotels & Resorts
5X
5X points at gas stations
5X
5X points on travel purchases
5X
Earn 5X total points on dining
Benefits & Perks
Program & Transfers
Stay more, unlock more.
IHG One Rewards is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #31 of 119 |
For business owners who stay at IHG properties, this card delivers exceptional value through its welcome offer, anniversary night, and fourth night free benefit, while cleverly bypassing Chase application restrictions for those maximizing their card strategy.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 21.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to
$380
in annual credits
$120 Global Entry/TSA PreCheck/NEXUS
$120
Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
$100 statement credit
$100
Annual
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
$10/mo Instacart+ savings
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + 10% airport
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$100 Global Entry/TSA PreCheck
$100
Receive up to $100 statement credit once every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.
DoorDash DashPass
—
Monthly
Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember,
Enjoy Platinum Elite status with 60% bonus points, complimentary room upgrades, late checkout, and welcome amenity
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during
Save 20% when you purchase points with your IHG One Rewards Premier credit card.
Combined Protection Value
$18,800
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage up to $10,000 if you cancel or interrupt your trip for covered reasons like illness, injury, or death of immediate family.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Kimpton Seafire Resort and Spa | 50,000 | — | — | — |
| InterContinental Bali Resort | 35,000 | — | — | — |
| InterContinental Phu Quoc Long Beach Resort | 22,500 | — | — | — |
| InterContinental Budapest | 25,000 | — | — | — |
| InterContinental Porto – Palacio das Cardosas | 32,500 | — | — | — |
| InterContinental Amstel Amsterdam | 60,000 | — | — | — |
| Holiday Inn Bangkok | 10,000 | — | — | — |
| InterContinental Pattaya Resort | 20,000 | — | — | — |
| Regent Taipei | 30,000 | — | — | — |
| Kimpton Fitzroy London | 50,000 | — | — | — |
| InterContinental Bora Bora Resort Thalasso Spa | 70,000 | — | — | — |
| 4th Night Free on any award stay | 0 | — | — | — |
The IHG One Rewards Premier Business Card is a **great long-term value for small business owners**, especially those who stay at IHG properties at lease once a year. The free anniversary night (worth up to 40,000 points) alone justifies the $99 annual fee. With a 140,000-point sign-up bonus, Platinum Elite status, and unlimited 4th night free on award stays, the card delivers consistent rewards and flexibility. It also won’t count against your Chase 5/24 status, making it a smart choice for points enthusiasts managing their application strategy. The strong earning categories, including travel, dining, gas, and digital ad spend, make it easy to rack up points through everyday business expenses.
If you’re looking to diversify beyond Chase, Amex, and Capital One, and want a hotel-specific card, IHG is a solid choice. To start, you get a 140,000-point sign-up bonus (we’ve seen it as high as 200,000) with a reasonable $4,000 spend in the first 3 months. Also, the $99 annual fee is easily offset by the free anniversary night (worth up to 40,000 points). And IHG gives you even more love with its "4th night free" on award stays: Book for four consecutive nights, and the 4th night is free!" It's unlimited use and stackable, meaning an 8-night stay would get you 2 free nights. Here are a few more reasons you might want this card:
- Platinum Elite status, as long as you hold the card.
- Global Entry, TSA PreCheck, or NEXUS statement credit.
- No impact on Chase 5/24 status, making it a great business card for those nearing their limit.
- Strong spending categories:
- 5x points on travel, gas, dining, social media/search engine advertising, and office supply stores.
This card might not be a good fit if you never stay at IHG properties, making the free night benefit useless.
**IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.**
- The IHG brand consists mostly of Holiday Inns, which are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- There are also several luxury hotels part of IHG’s umbrella, and while redemptions can be high, there is plenty of variety in IHG properties
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but IHG redemptions can be very high, so this isn't usually a great transfer option except for topping off.
The IHG One Rewards Premier Business card is nearly identical to the personal Premier card, but it won’t count against Chase’s 5/24 limit, making it a great option for those nearing their 5/24 cap.
If you don’t qualify for a business card, IHG offers two personal card options:
1. IHG One Rewards Club Premier ($99 annual fee) You'll get a 140,000-point sign-up bonus on a $3,000-spend in 3 months. You also get a free anniversary night each year (up to 40k points). Plus you're eligible for the "4th night free on award" stays. Finally, it comes with Platinum Elite status.
2. IHG One Rewards Traveler (No annual fee). You'll get a 80,000-point sign-up bonus on a $2,000-spend in 3 months). But there is no free anniversary night, and no "4th night free" perk.
If you don’t plan to keep the card long-term, the Traveler card seems like a better option. However, we recommend getting the Premier for the higher sign-up bonus and free night, then downgrading to the Traveler after the first year if you won't use the free night certificate.
If you’re near Chase’s 5/24 limit, the IHG One Rewards Premier Business card is a better option, as it won’t count against 5/24 but still offers all the same benefits as the personal Premier card.
For us, this business card was a no-brainer. The solid sing-up bonus and the free anniversary night alone made it worth adding. And the 4th night free on award stays gave us even more value. Plus, its business classification makes it a great 5/24 workaround for Chase enthusiasts. We've used this card and IGH points plenty of times when we couldn't find a Hyatt close by.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$228
Annual Fee
-$99
Net Annual Value
+$129
| $0 |
There are IHG rooms for as low as 5,000 points, but that’s uncommon. Since IHG uses dynamic pricing, award rates vary widely by property, date, and season. Expect to pay more in major cities, at premium brands, or during peak travel periods.
The best value comes from holding an IHG co-branded credit card. Cardholders get the 4th night free on award stays, so booking four nights with points gives you the last night at no cost. You can even stack it—stay eight nights and get two free.
IHG points expire after one year of inactivity. However, points never expire if you hold any IHG elite status. Since all three IHG credit cards provide Silver or Platinum status, your points stay safe as long as you keep at least one card.
You can, but it’s not a good deal. Most transfers are 5:1, so 5,000 IHG points becomes only 1,000 airline miles. These poor ratios make transfers bad value. You’ll get far more from using points for IHG hotel stays.
Yes. You must requalify each calendar year through qualifying nights or points. If you hold an IHG credit card, though, you keep Silver or Platinum Elite automatically every year you keep the card, without needing additional stays.
Starting at 20 qualifying nights per calendar year, IHG awards Milestone Rewards every 10 nights up to 100. Options include bonus points, $20 food & beverage credits, confirmable suite upgrades (up to 5 nights), and annual club lounge membership at 40 and 70 nights. You have 90 days to select each reward or it expires.
Yes. Unlike Hilton and Hyatt, IHG charges resort fees on award stays at properties that have them. This is a notable downside — check for resort fees before redeeming points at resort properties.
Points + Cash lets you combine IHG points with a cash co-pay to book a stay. The cash portion effectively buys points at a set rate. If you cancel, the entire refund comes back as IHG points (not the original cash + points split). During Points + Cash sales, you can sometimes buy points at 0.5 cents each.
A paid elite tier costing $225/year or 45,000 points. Benefits include a free weekend night certificate at InterContinental hotels, guaranteed one-category room upgrade (including suites), 4pm late checkout, $20 food & beverage credit per stay, and complimentary IHG Platinum status. The free night alone often covers the cost.
Yes. The IHG Premier and Premier Business cards grant automatic Platinum Elite status. Spending $40,000 on either card in a calendar year earns Diamond Elite status. The IHG Traveler card grants Gold status after $20,000 in annual spend. The Chase Sapphire Reserve also provides IHG Platinum status upon enrollment.
Up to
$380
in annual credits
$120 Global Entry/TSA PreCheck/NEXUS
$120
Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
$100 statement credit
$100
Annual
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
$10/mo Instacart+ savings
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + 10% airport
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$100 Global Entry/TSA PreCheck
$100
Receive up to $100 statement credit once every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.
DoorDash DashPass
—
Monthly
Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember,
Enjoy Platinum Elite status with 60% bonus points, complimentary room upgrades, late checkout, and welcome amenity
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during
Save 20% when you purchase points with your IHG One Rewards Premier credit card.
Combined Protection Value
$18,800
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage up to $10,000 if you cancel or interrupt your trip for covered reasons like illness, injury, or death of immediate family.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Kimpton Seafire Resort and Spa | 50,000 | — | — | — |
| InterContinental Bali Resort | 35,000 | — | — | — |
| InterContinental Phu Quoc Long Beach Resort | 22,500 | — | — | — |
| InterContinental Budapest | 25,000 | — | — | — |
| InterContinental Porto – Palacio das Cardosas | 32,500 | — | — | — |
| InterContinental Amstel Amsterdam | 60,000 | — | — | — |
| Holiday Inn Bangkok | 10,000 | — | — | — |
| InterContinental Pattaya Resort | 20,000 | — | — | — |
| Regent Taipei | 30,000 | — | — | — |
| Kimpton Fitzroy London | 50,000 | — | — | — |
| InterContinental Bora Bora Resort Thalasso Spa | 70,000 | — | — | — |
| 4th Night Free on any award stay | 0 | — | — | — |
The IHG One Rewards Premier Business Card is a **great long-term value for small business owners**, especially those who stay at IHG properties at lease once a year. The free anniversary night (worth up to 40,000 points) alone justifies the $99 annual fee. With a 140,000-point sign-up bonus, Platinum Elite status, and unlimited 4th night free on award stays, the card delivers consistent rewards and flexibility. It also won’t count against your Chase 5/24 status, making it a smart choice for points enthusiasts managing their application strategy. The strong earning categories, including travel, dining, gas, and digital ad spend, make it easy to rack up points through everyday business expenses.
If you’re looking to diversify beyond Chase, Amex, and Capital One, and want a hotel-specific card, IHG is a solid choice. To start, you get a 140,000-point sign-up bonus (we’ve seen it as high as 200,000) with a reasonable $4,000 spend in the first 3 months. Also, the $99 annual fee is easily offset by the free anniversary night (worth up to 40,000 points). And IHG gives you even more love with its "4th night free" on award stays: Book for four consecutive nights, and the 4th night is free!" It's unlimited use and stackable, meaning an 8-night stay would get you 2 free nights. Here are a few more reasons you might want this card:
- Platinum Elite status, as long as you hold the card.
- Global Entry, TSA PreCheck, or NEXUS statement credit.
- No impact on Chase 5/24 status, making it a great business card for those nearing their limit.
- Strong spending categories:
- 5x points on travel, gas, dining, social media/search engine advertising, and office supply stores.
This card might not be a good fit if you never stay at IHG properties, making the free night benefit useless.
**IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.**
- The IHG brand consists mostly of Holiday Inns, which are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- There are also several luxury hotels part of IHG’s umbrella, and while redemptions can be high, there is plenty of variety in IHG properties
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but IHG redemptions can be very high, so this isn't usually a great transfer option except for topping off.
The IHG One Rewards Premier Business card is nearly identical to the personal Premier card, but it won’t count against Chase’s 5/24 limit, making it a great option for those nearing their 5/24 cap.
If you don’t qualify for a business card, IHG offers two personal card options:
1. IHG One Rewards Club Premier ($99 annual fee) You'll get a 140,000-point sign-up bonus on a $3,000-spend in 3 months. You also get a free anniversary night each year (up to 40k points). Plus you're eligible for the "4th night free on award" stays. Finally, it comes with Platinum Elite status.
2. IHG One Rewards Traveler (No annual fee). You'll get a 80,000-point sign-up bonus on a $2,000-spend in 3 months). But there is no free anniversary night, and no "4th night free" perk.
If you don’t plan to keep the card long-term, the Traveler card seems like a better option. However, we recommend getting the Premier for the higher sign-up bonus and free night, then downgrading to the Traveler after the first year if you won't use the free night certificate.
If you’re near Chase’s 5/24 limit, the IHG One Rewards Premier Business card is a better option, as it won’t count against 5/24 but still offers all the same benefits as the personal Premier card.
For us, this business card was a no-brainer. The solid sing-up bonus and the free anniversary night alone made it worth adding. And the 4th night free on award stays gave us even more value. Plus, its business classification makes it a great 5/24 workaround for Chase enthusiasts. We've used this card and IGH points plenty of times when we couldn't find a Hyatt close by.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$228
Annual Fee
-$99
Net Annual Value
+$129
| $0 |
There are IHG rooms for as low as 5,000 points, but that’s uncommon. Since IHG uses dynamic pricing, award rates vary widely by property, date, and season. Expect to pay more in major cities, at premium brands, or during peak travel periods.
The best value comes from holding an IHG co-branded credit card. Cardholders get the 4th night free on award stays, so booking four nights with points gives you the last night at no cost. You can even stack it—stay eight nights and get two free.
IHG points expire after one year of inactivity. However, points never expire if you hold any IHG elite status. Since all three IHG credit cards provide Silver or Platinum status, your points stay safe as long as you keep at least one card.
You can, but it’s not a good deal. Most transfers are 5:1, so 5,000 IHG points becomes only 1,000 airline miles. These poor ratios make transfers bad value. You’ll get far more from using points for IHG hotel stays.
Yes. You must requalify each calendar year through qualifying nights or points. If you hold an IHG credit card, though, you keep Silver or Platinum Elite automatically every year you keep the card, without needing additional stays.
Starting at 20 qualifying nights per calendar year, IHG awards Milestone Rewards every 10 nights up to 100. Options include bonus points, $20 food & beverage credits, confirmable suite upgrades (up to 5 nights), and annual club lounge membership at 40 and 70 nights. You have 90 days to select each reward or it expires.
Yes. Unlike Hilton and Hyatt, IHG charges resort fees on award stays at properties that have them. This is a notable downside — check for resort fees before redeeming points at resort properties.
Points + Cash lets you combine IHG points with a cash co-pay to book a stay. The cash portion effectively buys points at a set rate. If you cancel, the entire refund comes back as IHG points (not the original cash + points split). During Points + Cash sales, you can sometimes buy points at 0.5 cents each.
A paid elite tier costing $225/year or 45,000 points. Benefits include a free weekend night certificate at InterContinental hotels, guaranteed one-category room upgrade (including suites), 4pm late checkout, $20 food & beverage credit per stay, and complimentary IHG Platinum status. The free night alone often covers the cost.
Yes. The IHG Premier and Premier Business cards grant automatic Platinum Elite status. Spending $40,000 on either card in a calendar year earns Diamond Elite status. The IHG Traveler card grants Gold status after $20,000 in annual spend. The Chase Sapphire Reserve also provides IHG Platinum status upon enrollment.
Up to
$380
in annual credits
$120 Global Entry/TSA PreCheck/NEXUS
$120
Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card.
$100 statement credit
$100
Annual
Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
$10/mo Instacart+ savings
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + 10% airport
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$100 Global Entry/TSA PreCheck
$100
Receive up to $100 statement credit once every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.
DoorDash DashPass
—
Monthly
Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember,
Enjoy Platinum Elite status with 60% bonus points, complimentary room upgrades, late checkout, and welcome amenity
When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth Reward Night free redeemable at that same hotel during
Save 20% when you purchase points with your IHG One Rewards Premier credit card.
Combined Protection Value
$18,800
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Coverage up to $10,000 if you cancel or interrupt your trip for covered reasons like illness, injury, or death of immediate family.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Kimpton Seafire Resort and Spa | 50,000 | — | — | — |
| InterContinental Bali Resort | 35,000 | — | — | — |
| InterContinental Phu Quoc Long Beach Resort | 22,500 | — | — | — |
| InterContinental Budapest | 25,000 | — | — | — |
| InterContinental Porto – Palacio das Cardosas | 32,500 | — | — | — |
| InterContinental Amstel Amsterdam | 60,000 | — | — | — |
| Holiday Inn Bangkok | 10,000 | — | — | — |
| InterContinental Pattaya Resort | 20,000 | — | — | — |
| Regent Taipei | 30,000 | — | — | — |
| Kimpton Fitzroy London | 50,000 | — | — | — |
| InterContinental Bora Bora Resort Thalasso Spa | 70,000 | — | — | — |
| 4th Night Free on any award stay | 0 | — | — | — |
The IHG One Rewards Premier Business Card is a **great long-term value for small business owners**, especially those who stay at IHG properties at lease once a year. The free anniversary night (worth up to 40,000 points) alone justifies the $99 annual fee. With a 140,000-point sign-up bonus, Platinum Elite status, and unlimited 4th night free on award stays, the card delivers consistent rewards and flexibility. It also won’t count against your Chase 5/24 status, making it a smart choice for points enthusiasts managing their application strategy. The strong earning categories, including travel, dining, gas, and digital ad spend, make it easy to rack up points through everyday business expenses.
If you’re looking to diversify beyond Chase, Amex, and Capital One, and want a hotel-specific card, IHG is a solid choice. To start, you get a 140,000-point sign-up bonus (we’ve seen it as high as 200,000) with a reasonable $4,000 spend in the first 3 months. Also, the $99 annual fee is easily offset by the free anniversary night (worth up to 40,000 points). And IHG gives you even more love with its "4th night free" on award stays: Book for four consecutive nights, and the 4th night is free!" It's unlimited use and stackable, meaning an 8-night stay would get you 2 free nights. Here are a few more reasons you might want this card:
- Platinum Elite status, as long as you hold the card.
- Global Entry, TSA PreCheck, or NEXUS statement credit.
- No impact on Chase 5/24 status, making it a great business card for those nearing their limit.
- Strong spending categories:
- 5x points on travel, gas, dining, social media/search engine advertising, and office supply stores.
This card might not be a good fit if you never stay at IHG properties, making the free night benefit useless.
**IHG is our “utility” hotel points system. If you just need a night or two, and aren’t looking for glitz and glamor, IHG points go a long way.**
- The IHG brand consists mostly of Holiday Inns, which are in nearly every small town or international city you might want to stay. We use it as the Hyatt’s “not there” filler.
- There are also several luxury hotels part of IHG’s umbrella, and while redemptions can be high, there is plenty of variety in IHG properties
- The generous sign-up bonuses (especially if you wait for a special offer) will cover 6-8 nights per card.
- IHG is part of the Chase partner rewards system, but IHG redemptions can be very high, so this isn't usually a great transfer option except for topping off.
The IHG One Rewards Premier Business card is nearly identical to the personal Premier card, but it won’t count against Chase’s 5/24 limit, making it a great option for those nearing their 5/24 cap.
If you don’t qualify for a business card, IHG offers two personal card options:
1. IHG One Rewards Club Premier ($99 annual fee) You'll get a 140,000-point sign-up bonus on a $3,000-spend in 3 months. You also get a free anniversary night each year (up to 40k points). Plus you're eligible for the "4th night free on award" stays. Finally, it comes with Platinum Elite status.
2. IHG One Rewards Traveler (No annual fee). You'll get a 80,000-point sign-up bonus on a $2,000-spend in 3 months). But there is no free anniversary night, and no "4th night free" perk.
If you don’t plan to keep the card long-term, the Traveler card seems like a better option. However, we recommend getting the Premier for the higher sign-up bonus and free night, then downgrading to the Traveler after the first year if you won't use the free night certificate.
If you’re near Chase’s 5/24 limit, the IHG One Rewards Premier Business card is a better option, as it won’t count against 5/24 but still offers all the same benefits as the personal Premier card.
For us, this business card was a no-brainer. The solid sing-up bonus and the free anniversary night alone made it worth adding. And the 4th night free on award stays gave us even more value. Plus, its business classification makes it a great 5/24 workaround for Chase enthusiasts. We've used this card and IGH points plenty of times when we couldn't find a Hyatt close by.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$228
Annual Fee
-$99
Net Annual Value
+$129
| $0 |
There are IHG rooms for as low as 5,000 points, but that’s uncommon. Since IHG uses dynamic pricing, award rates vary widely by property, date, and season. Expect to pay more in major cities, at premium brands, or during peak travel periods.
The best value comes from holding an IHG co-branded credit card. Cardholders get the 4th night free on award stays, so booking four nights with points gives you the last night at no cost. You can even stack it—stay eight nights and get two free.
IHG points expire after one year of inactivity. However, points never expire if you hold any IHG elite status. Since all three IHG credit cards provide Silver or Platinum status, your points stay safe as long as you keep at least one card.
You can, but it’s not a good deal. Most transfers are 5:1, so 5,000 IHG points becomes only 1,000 airline miles. These poor ratios make transfers bad value. You’ll get far more from using points for IHG hotel stays.
Yes. You must requalify each calendar year through qualifying nights or points. If you hold an IHG credit card, though, you keep Silver or Platinum Elite automatically every year you keep the card, without needing additional stays.
Starting at 20 qualifying nights per calendar year, IHG awards Milestone Rewards every 10 nights up to 100. Options include bonus points, $20 food & beverage credits, confirmable suite upgrades (up to 5 nights), and annual club lounge membership at 40 and 70 nights. You have 90 days to select each reward or it expires.
Yes. Unlike Hilton and Hyatt, IHG charges resort fees on award stays at properties that have them. This is a notable downside — check for resort fees before redeeming points at resort properties.
Points + Cash lets you combine IHG points with a cash co-pay to book a stay. The cash portion effectively buys points at a set rate. If you cancel, the entire refund comes back as IHG points (not the original cash + points split). During Points + Cash sales, you can sometimes buy points at 0.5 cents each.
A paid elite tier costing $225/year or 45,000 points. Benefits include a free weekend night certificate at InterContinental hotels, guaranteed one-category room upgrade (including suites), 4pm late checkout, $20 food & beverage credit per stay, and complimentary IHG Platinum status. The free night alone often covers the cost.
Yes. The IHG Premier and Premier Business cards grant automatic Platinum Elite status. Spending $40,000 on either card in a calendar year earns Diamond Elite status. The IHG Traveler card grants Gold status after $20,000 in annual spend. The Chase Sapphire Reserve also provides IHG Platinum status upon enrollment.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.