Best IHG Credit Card Offers: Compare Premier, Traveler & Business Cards
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Looking for the latest IHG credit card offers? Chase and IHG One Rewards offer several co-branded cards, including the IHG One Rewards Premier Credit Card, IHG One Rewards Premier Business Credit Card, and IHG Traveler Card, each with generous welcome bonuses, elite status perks, and travel benefits. Below, we break down all the known information in detail, including current welcome offers, fees, and differences between personal and business versions of the cards, and we hope this will help you decide which IHG card best suits your spending and travel goals.
Current IHG Credit Card Offers from Chase
The latter line is represented by three (3) co-branded credit cards: IHG Rewards Premier, IHG Rewards Traveler Credit Card and IHG Rewards Premier Business Credit Card. Each of the cards offers significant sign-up bonus to get you started quickly, and after meeting certain requirements within the first 3 months you can start earning rewards.
Please note that the current terms and conditions are listed below, as well as the standard welcome bonus, so that you can compare how advantageous this offer is.
IHG One Rewards Traveler Credit Card (personal, $0 annual fee): 2 free nights (up to 50k points each) + 40,000 bonus points after $2,000 in 3 months. That’s up to 140k points of value if you hit the max on the two nights. You also earn up to 17X total at IHG when stacking member + Silver status (included with the card) + card earn, 3X points per $1 spent on purchases on monthly bills, at gas stations, and restaurants, 2X points per $1 spent on all other purchases. Standard non-increased offer: 80,000 bonus points for spending at least $2,000 in the first 3 months.
IHG One Rewards Premier Credit Card (personal, $99 annual fee): 165,000 points after $3,000 in 3 months—a clear bump versus prior public offers. Ongoing earn is up to 26x total at IHG stays (member + automatic Platinum from the card + card earn), 5X on travel/dining/gas, and 3X everywhere else. Standard non-increased offer: 140,000 bonus points for spending at least $3,000 in the first 3 months.
IHG One Rewards Premier Business Credit Card ($99 annual fee): Up to 200,000 points—140k after $4,000 in 3 months + another 60k after $9,000 total in 6 months. That’s one of the richest IHG business offers we’ve seen. Earn structure includes 5X on travel, dining, gas, office supply, and even social media/search ads, 3X everywhere else, and up to 26X on IHG stays with Platinum from the card. Standard non-increased offer: 140,000 bonus points for spending at least $3,000 in the first 3 months.
Which IHG Card Should You Get?
Elevated offers are live—choose based on how you travel and which perks you’ll actually use.
IHG One Rewards Traveler
$0 annual fee • Welcome: 2 Free Nights (up to 50k each) + 40k points after $2,000 in 3 months
Earning highlights
- 5× at IHG hotels (card earn).
- 3× dining, utilities, select streaming, gas stations.
- 2× all other purchases.
- Stack at IHG stays: up to 17× total (10× member + ~2× Silver + 5× card).
Key advantages
- Automatic Silver Elite status.
- 4th Reward Night Free on 4+ night points stays (≈25% points savings on 4-night blocks).
- No foreign transaction fees.
- Does not include Anniversary Free Night or Global Entry/TSA PreCheck credit (those are on Premier & Premier Business).
IHG One Rewards Premier
Best for Most$99 annual fee • Welcome: 165,000 points after $3,000 in 3 months
Earning highlights
- 10× at IHG hotels (card earn).
- 5× travel, restaurants, gas stations.
- 3× all other purchases.
- Stackable total at IHG stays: **up to 26×** (10× base member + ~6× Platinum + 10× card).
Key advantages
- Anniversary Free Night up to 40k points with top-off allowed.
- 4th Reward Night Free on point stays of 4+ consecutive nights (≈25% points savings).
- Automatic Platinum Elite; Global Entry/TSA PreCheck credit every 4 years.
- No foreign transaction fees.
IHG One Rewards Premier Business
$99 annual fee • Welcome (limited time): up to 200,000 points — 140k after $4,000 in 3 months + 60k after $9,000 in 6 months
Earning highlights
- 10× at IHG hotels (card earn).
- 5× travel, dining, gas, office-supply stores, and eligible online ads (search/social).
- 3× all other purchases.
- Stackable total at IHG stays: **up to 26×** (10× base member + ~6× Platinum + 10× card).
Key advantages
- Anniversary Free Night up to 40k points with top-off.
- 4th Reward Night Free on point stays of 4+ consecutive nights.
- Automatic Platinum Elite; Global Entry/TSA PreCheck credit every 4 years.
- No foreign transaction fees.
“Up to ××” totals at IHG reflect 10× base member earn + elite bonus (from card status) + card earn. Terms and offers change—always confirm current issuer details.
Rewards-Earning Structure for the IHG Credit Card
Let’s take a look at the rewards-earning structure for the IHG credit card. This is how many reward points you can earn for every dollar you spend in different spending categories.
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card delivers one of the strongest ongoing IHG credit card offers available. With a $99 annual fee, it includes Platinum Elite status, a Free Night Certificate worth up to 40,000 points each year, and the valuable 4th Night Free on award stays.
IHG Premier Card benefits also include 10X points on IHG purchases, 5X on dining & travel and gas stations, and 3X on other purchases. The card has no foreign transaction fees, making it ideal for international travelers.
Example: If you spend $50 on a meal at a restaurant, you earn 250 points (5X $50).
💡 Pro Tip: If you stay even a few nights per year at Holiday Inn, Kimpton, or InterContinental, the Free Night Certificate alone can outweigh the $99 fee.
IHG Traveler Card
The IHG Traveler Card is the entry-level, no-annual-fee option in Chase’s IHG line-up. It offers Silver Elite status and up to 17X points per dollar on IHG purchases (5X points with this card + up to 10X points from IHG on stays for being an IHG One Rewards member + up to 2X points from IHG on stays with Silver Elite Status), 3X points on dining, gas stations, utilities, and streaming services, 2X points on other purchases. While it lacks the Free Night Certificate, it’s a good starter card for occasional IHG guests or those looking to keep accounts active without paying an annual fee.
IHG One Rewards Premier Business Credit Card
Designed for small-business owners and independent professionals, the IHG One Rewards Premier Business Credit Card carries the same $99 annual fee as the personal Premier card but adds business-oriented bonus categories: 5X points on travel, dining, gas, office supplies, and eligible online ads.
Like the personal version, it includes a Free Night Certificate (40K points cap), 4th Night Free on award stays, and automatic Platinum Elite status. There’s no foreign transaction fee.
5/24 Rule Note: You must be under 5/24 when you apply, but this business card usually does not count toward your 5/24 total after approval — a major advantage if you plan future Chase applications.
Worth it is? – For anyone with legitimate business spend in those categories, the business version offers excellent value without adding to your personal credit line.
IHG Credit Card Benefits
Fourth Night Free on Award Stays
Redeem points for a four-night consecutive stay at IHG properties, and the fourth night is free.
Automatic Elite Status
When you apply for a credit card, you automatically receive elite status in the IHG One Rewards program, without having to earn Qualified Nights or Qualified Points. The higher your level, the more benefits you receive.
- Traveler Card: Silver Elite status; upgrade to Gold Elite after $10,000 in annual spending.
- Premier and Business Cards: Platinum Elite status; upgrade to Diamond Elite after $40,000 in annual spending.
Annual Free Night Certificate
- Premier and Business Cards: Receive one free night annually (valid for properties up to 40,000 points) on your card anniversary. Option to “top off” with points for higher-value stays.
Global Entry/TSA PreCheck/NEXUS Fee Credit
- Up to $100 statement credit every four years for expedited travel application fees (Premier and Business Cards).
No Foreign Transaction Fees
- Use your card internationally without incurring extra fees.
United TravelBank Cash
- Up to $50 annually for United Airlines flights (Premier and Business Cards).
Flexible Earning Rates
- Up to 26x points at IHG Hotels & Resorts (includes base points, cardholder bonuses, and elite bonuses).
- Elevated multipliers for spending in specific categories like travel, dining, gas stations, and select business expenses.
Employee Card Options (Business Card Only)
- Add employee cards with customizable spending limits to manage business expenses while earning rewards.
5/24 Rule Explained
You can’t be approved if you’ve opened five or more new personal cards (including from other banks) in the past 24 months. For more information about this rule, please refer to the article please refer to the article Chase 5/24 Rule Explained: A Detailed Guide for Personal & Business Cards.
Business Card Advantage: You must be under 5/24 when you apply, but Chase business cards (like the IHG Premier Business) usually don’t report to your personal credit bureau — so they won’t add to your 5/24 count.
Comparing Fees & Rates, Benefits
This table provides a clear overview of each card’s benefits, helping you choose the one that best aligns with your travel and spending habits.
| Feature | IHG One Rewards Traveler Credit Card | IHG One Rewards Premier Credit Card | IHG One Rewards Premier Business Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $99 | $99 |
| Purchase APR | Variable | 19.99–28.49% | 19.74–28.24% |
| Earning Rates | – Up to 17x points at IHG Hotels & Resorts – 3x points on travel, gas stations, restaurants, utilities, and streaming services – 2x points on all other purchases | – Up to 26x points at IHG Hotels & Resorts – 5x points on travel, gas stations, and restaurants – 3x points on all other purchases | – Up to 26x points at IHG Hotels & Resorts – 5x points on travel, gas stations, select advertising, and restaurants – 3x points on all other purchases |
| Annual Free Night | None | One free night per card anniversary | One free night per card anniversary |
| Elite Status | Automatic Silver Elite status; Gold Elite after $10,000 spent in a calendar year | Automatic Platinum Elite status; Diamond Elite after $40,000 spent in a calendar year | Automatic Platinum Elite status; Diamond Elite after $40,000 spend in a calendar year |
| Fourth Reward Night Free | Yes | Yes | Yes |
| Global Entry/TSA PreCheck Credit | None | Up to $100 every 4 years | Up to $100 every 4 years |
| Foreign Transaction Fees | None | None | None |
Both Premier cards cost $99 per year and waive foreign transaction fees. The key difference is spend categories and business eligibility — not price.
These point bonuses could score you an eight-night stay in Dubai at the InterContinental Hotel for just 120,000 IHG Rewards Points or cash in 109,000 IHG Rewards Club Points for a four-night stay in Sydney at the 5-Star Kimpton Margot Sydney hotel. And with points to spare, you can spend or save on these other IHG Rewards:
- Redeem points for airline miles with airline partners
- Free nights at more than 6,000 IHG properties
- Discounted rooms when combining points and cash
- Add IHG Experiences to your trip
- Shopping Discounts
- Donate to a non-profit organization
Chase IHG Credit Card Login & Customer Service
Manage your IHG credit cards through the Chase IHG Credit Card login portal.
For assistance, contact Chase IHG Credit Card Customer Service at 1-888-270-2127 or the number on the back of your card. You can also view transactions, redeem points, or set travel alerts through the Chase mobile app.
Which IHG Card Is Right for You?
Take a short survey and you will find out whether you should apply for a card in your case, and which one.
Answer a few quick questions to see which IHG card (if any) fits your travel and spending style.
Conclusion
Whether you choose the personal Premier, the Premier Business, or the no-fee Traveler Card, Chase’s current IHG credit card offers deliver strong value for frequent hotel guests. Both Premier cards share the same $99 fee and core benefits, but the business version adds extra earn categories and the advantage of not counting against your 5/24 limit. Before applying, compare your spending patterns and IHG stay frequency.
IHG Credit Card FAQs
Does the IHG Premier Business Card count toward Chase’s 5/24 rule?
Generally, Chase requires you to be under 5/24 when you apply for any new card, including business cards. However, most Chase business cards (like the IHG Premier Business) are not reported to your personal credit file, so they usually don’t increase your 5/24 count after approval.
What’s the difference between the IHG Premier and Premier Business cards?
Both charge a $99 annual fee and include Platinum Elite status, a Free Night Certificate (worth up to 40K points), and the 4th Night Free on reward stays. The Premier Business adds bonus categories for travel, gas, dining, office supplies, and online ads — designed for small-business spending. Premier Business will not increase the number of Chase cards under the 5/24 rule.
Is the IHG Traveler Card worth it?
Yes — for travelers who prefer no annual fee but still want to earn points on IHG stays and enjoy Silver Elite status. It doesn’t include a Free Night Certificate, but it’s ideal if you stay at IHG hotels only a few times per year or want to keep your IHG account active.
Can I have more than one IHG credit card?
Yes — you can hold both the IHG Premier and the IHG Traveler, or even the legacy IHG Select if you already have it. Many cardholders keep multiple versions to stack Free Night Certificates and earn points faster.
Is there a foreign transaction fee on IHG credit cards?
All current U.S.-issued IHG credit cards — Premier, Premier Business, and Traveler — have no foreign transaction fees, making them good options for international stays.
