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 presently 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 provide | Bonus worth* | Annual charge |
|---|---|---|---|
| IHG One Rewards Premier Credit score Card (see charges and charges) | 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 charges) | Earn two free nights (every night time 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 charges) | 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 a further 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 relies on TPG’s September 2025 valuations and isn’t supplied or reviewed by the issuer.
IHG One Rewards Premier
In the event you keep at IHG properties at the least a couple 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 ought to be simple to succeed in.
Annual charge: $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 providers) and gasoline stations
- 3 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 high off your reward to redeem it for a extra useful night time.
Different essential 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 charge to International Entry, TSA PreCheck or Nexus each 4 years — all for a $99 annual charge.
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 crucial 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 assessment 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 few times every year, the Traveler could make extra sense for you than IHG’s mid-tier choice.
Welcome bonus: Earn two free nights (every night time 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 charge: $0
Incomes charges:
- 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 gasoline stations
- 2 factors per greenback on all different eligible purchases
Why we prefer it: This card affords complimentary 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 great for a card with no annual charge.
To be taught extra, take a look at our full assessment 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 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 a further 60,000 bonus factors after spending $9,000 within the first six months from account opening.
This can be a repeat of the finest provide we final noticed on this card in April. Based mostly on TPG’s September 2025 valuations, it is price as much as $1,000. In the event you missed this nice welcome provide beforehand, now’s the time to use.
Annual charge: $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 private Premier card.
As an example, the annual free night time award (price as much as 40,000 factors) will be topped off with limitless factors, and you will additionally get pleasure from elite perks because of the automated Platinum Elite standing that comes with the cardboard. Cardholders can earn one other free night time award (price as much as 40,000 factors; capable of be topped off) after spending $60,000 every calendar yr.
Different advantages embrace reimbursement in your software charge 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 in United TravelBank Money every year.
To be taught extra, take a look at our full assessment 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 may be very attractive, 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 complimentary elite standing.
For instance, Premier and Premier Enterprise cardholders obtain Platinum Elite standing.
In the event you spend quite a lot of nights a yr at IHG properties, you must be capable to recoup the $99 annual charge 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 night time reward. Briefly, the fourth night time is complimentary once you redeem factors for stays of 4 or extra.
This profit’s worth relies on your journey fashion. This is probably not very helpful for vacationers who solely e-book quick resort 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: The way to maximize award redemptions with the IHG One Rewards program
Class bonuses
The IHG One Rewards playing cards show you how to rack up factors quick, because of their bonus classes — together with gasoline, which will 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 resort 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 resort stays, equating to a 13% return (based mostly on TPG’s September 2025 valuations).
Shopping for factors low cost
Lastly, if it’s good to high off your IHG factors steadiness, you may get a 20% low cost once you purchase factors along with your card. Mixed with the flexibility to high off free night time certificates, this perk could possibly be helpful in case you’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 in case you’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 just additionally aren’t eligible if any of those exclusions apply to you:
- For private playing cards: In the event you presently have a private IHG One Rewards bank card (which incorporates the legacy IHG One Rewards Choose Credit score Card; not accessible to new candidates) or in case you obtained a brand new cardholder bonus on any private IHG bank card previously 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 supplied 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 because of the complimentary elite standing and free-night certificates you earn every year. Benefit from the present limited-time affords to jump-start your loyalty with IHG inns and remember to 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
