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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.
Update (October 2026): Chase launched a new $350 Premier Select card and raised annual fees on the Premier (now $150) and Business (now $200) cards, with new credits but some benefit cuts — see our full breakdown of the October 2026 portfolio refresh before relying on the fees and benefits below, which reflect the prior terms.
Also worth knowing: Elite Night Credits from multiple IHG cards do stack — Chase briefly published incorrect terms suggesting they wouldn’t, but has since confirmed and corrected this. Holding a Premier plus a Premier Select card, for example, starts you at 35 combined ENCs a year before any stays.
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.
Update: Chase also added a fourth option, the IHG One Rewards Premier Select Credit Card ($350 annual fee): 200,000 points after $5,000 in 3 months. It sits above Premier Business, pairing automatic Platinum Elite status with 20 Elite Night Credits a year, a 60,000-point Anniversary Free Night, and richer food & beverage, airline, and United TravelBank credits than the other cards in the lineup.
Which IHG Card Should You Get?
Chase refreshed the whole lineup in October 2026 — choose based on how you travel and which perks you'll actually use.
IHG One Rewards Standard
$0 annual fee • Welcome: 125,000 points after $2,000 spend in 3 months (through Nov 18, 2026).
Earning highlights
- 5× at IHG hotels (card earn).
- 3× dining, utilities, select streaming, gas stations, grocery stores.
- 2× all other purchases.
Key advantages
- 5 Elite Night Credits every calendar year.
- Automatic Gold Elite status (lowered threshold: $15,000 spend).
- 4th Reward Night Free on point stays of 4+ nights — now requires $5,000 in annual spend to unlock.
- No foreign transaction fees.
IHG One Rewards Premier
$150 annual fee • Welcome: 180,000 points after $3,000 in 3 months (through Nov 18, 2026).
Earning highlights
- 10× at IHG hotels (card earn).
- 5× travel, restaurants, gas stations.
- 3× all other purchases.
Key advantages
- Up to $100 quarterly IHG Food & Beverage Rewards; $100 annual airline statement credit.
- Anniversary Free Night up to 50k points, top-off allowed.
- 15 Elite Night Credits/yr (+2 per $5k spent). Automatic Gold Elite — new cardholders no longer get automatic Platinum (existing holders keep Platinum through 2027).
- No foreign transaction fees.
IHG One Rewards Premier Business
$200 annual fee • Welcome: 190,000 points after $5,000 in 3 months (through Nov 18, 2026).
Earning highlights
- 10× at IHG hotels (card earn).
- 5× travel, dining, gas, office-supply stores.
- 3× all other purchases.
Key advantages
- Up to $100 quarterly F&B rewards, $100 airline credit, $100 Expensify credit.
- Anniversary Free Night up to 50k points with top-off.
- 15 Elite Night Credits/yr. Automatic Platinum Elite (unchanged).
- United TravelBank Cash benefit discontinued after Dec 31, 2026.
- No foreign transaction fees.
IHG One Rewards Premier Select
New$350 annual fee • Welcome: 200,000 points after $5,000 in 3 months (through Nov 18, 2026).
Earning highlights
- Up to 28× total points at IHG hotels.
- 6× dining and other travel.
- 3× all other purchases.
Key advantages
- Up to $300 annual Food & Beverage Rewards ($75/quarter); $200 annual airline credit; up to $50 United TravelBank Cash.
- Anniversary Free Night up to 60k points, top-off allowed.
- 20 Elite Night Credits/yr (+2 per $5k spent). Automatic Platinum Elite.
- 4th Reward Night Free on point stays of 4+ nights, no spend requirement.
Fees and welcome offers reflect Chase's October 2026 IHG portfolio refresh. Terms and offers change — always confirm current issuer details before applying.
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 One Rewards Premier Select Credit Card
The IHG One Rewards Premier Select Credit Card is the newest, top-tier card in the lineup, launched by Chase in October 2026. At $350 a year, it is positioned above both Premier and Premier Business, and is built for IHG loyalists who want the richest ongoing earn and the most elite-status insurance in one card. For the full breakdown of what launched and how it compares to the rest of the refreshed portfolio, see our IHG One Rewards Premier Select launch guide.
Premier Select benefits include up to 28X total points on IHG stays, 6X on dining and other travel, and 3X on everything else. It carries automatic Platinum Elite status, 20 Elite Night Credits every calendar year (plus 2 more for every $5,000 spent), an Anniversary Free Night worth up to 60,000 points, and a 4th Reward Night Free benefit with no spend requirement. It also adds credits the other cards don’t have: up to $300 a year in Food & Beverage credits, a $200 annual airline credit, and up to $50 in United TravelBank Cash.
u{1F4A1} Pro Tip: Premier Select is worth considering if you already hold a Premier or Premier Business card and want to add Elite Night Credits — these stack across cards, so pairing Premier Select with another IHG card gets you a meaningful head start toward Diamond status before you’ve even checked into a hotel.
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.
- Premier Select Card: Platinum Elite status, with the highest Elite Night Credit count of any IHG card (20/year, plus 2 more per $5,000 spent).
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 Standard (formerly Traveler) | IHG One Rewards Premier | IHG One Rewards Premier Business | IHG One Rewards Premier Select |
|---|---|---|---|---|
| Annual Fee | $0 | $150 | $200 | $350 |
| Welcome Offer | 125,000 points after $2,000 in 3 months | 180,000 points after $3,000 in 3 months | 190,000 points after $5,000 in 3 months | 200,000 points after $5,000 in 3 months |
| Earning Rates | 5x at IHG, 3x on dining/gas/utilities/select streaming/grocery, 2x on everything else | 10x at IHG, 5x on travel/dining/gas, 3x on everything else | 10x at IHG, 5x on travel/dining/gas/office supplies, 3x on everything else | Up to 28x total at IHG, 6x on dining and other travel, 3x on everything else |
| Annual Free Night | None | Up to 50,000 points, top-off allowed | Up to 50,000 points, top-off allowed | Up to 60,000 points, top-off allowed |
| Elite Status | Automatic Gold Elite | Automatic Gold Elite (existing cardholders keep Platinum through 2027) | Automatic Platinum Elite | Automatic Platinum Elite |
| Elite Night Credits | 5/year | 15/year + 2 per $5,000 spent | 15/year | 20/year + 2 per $5,000 spent |
| Fourth Reward Night Free | Yes (requires $5,000 annual spend) | Yes | Yes | Yes, no spend requirement |
| Other Credits | None | Up to $100/quarter F&B, $100/year airline credit | Up to $100/quarter F&B, $100/year airline credit, $100/year Expensify credit | Up to $75/quarter F&B (up to $300/yr), $200/year airline credit, up to $50 United TravelBank Cash |
| Foreign Transaction Fees | None | 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
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. 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. 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. 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. 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. Does the IHG Premier Business Card count toward Chase’s 5/24 rule?
What’s the difference between the IHG Premier and Premier Business cards?
Is the IHG Traveler Card worth it?
Can I have more than one IHG credit card?
Is there a foreign transaction fee on IHG credit cards?
