IHG Credit Cards: New Welcome Bonus (Limit-Time)
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All three credit cards offer an increased welcome bonus for new cardholders:
- Traveler ($0 AF): 2 free nights (up to 50,000 each) + 40,000 points after $2,000/3 months.
- Premier ($99): 165,000 points after $3,000/3 months.
- Premier Business ($99): Up to 200,000 points (140,000 after $4,000/3 months + 60,000 after $9,000/6 months).
IHG and Chase have just introduced more lucrative welcome offers for all three co-branded cards — and it’s really worth it, whether you’re a regular IHG customer or just looking for great deals for your next trip. Below, I’ll break down each offer, the important ongoing benefits, and the type of traveler each card is best suited for.
The New Welcome Bonuses at a Glance
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.
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.
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.
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.
These offers are time-limited, so if one of them fits your plans, apply before they expire.
What You Actually Get Beyond the Headline Number
Anniversary Free Night (Premier & Premier Business).
Each year you keep the card, you receive a Free Night Certificate worth up to 40,000 points, now with a top-off option—add points from your account if a hotel prices above 40k. Paired with IHG’s frequent off-peak pricing, this is often worth more than the $99 fee on its own.
Fourth Reward Night Free (Premier & Premier Business).
Redeem points for 4 consecutive nights and the 4th night is free—a powerful multiplier when you’re stretching a big welcome bonus.
Automatic elite status.
Traveler comes with Silver Elite; Premier and Premier Business come with Platinum Elite as long as you hold the card—these stack into the “up to 17x/26x” totals at IHG stays and include perks like bonus points and (at many hotels) better room placement.
How Far Do These Bonuses Go?
IHG award pricing is dynamic, but you can often find solid mid-scale nights in the 15k–25k range, with off-peak deals lower and premium brands much higher. Rule-of-thumb valuations hover around 0.5¢ per point, but savvy bookings (especially with 4th Night Free) can beat that. The Premier 165k bonus can cover a long long-weekend for two; the Business 200k can stretch to a week+ if you target mid-tier redemptions and add the 4th night free.
Which card fits which traveler?
- Pick Traveler ($0 AF) if you’re fee-averse, want to dip a toe into IHG, and like the idea of two (2) free nights + 40k out of the gate. You’ll still get no foreign transaction fees and boosted earn on everyday categories.
- Pick Premier ($99 AF) if you can use a 40k top-offable Free Night every year, want Platinum baked in, and value the 4th Night Free when redeeming points. For most casual IHG guests, this is the sweet spot.
- Pick Premier Business ($99 AF) if you have qualifying business income/expenses, want the biggest bonus (up to 200k), and can leverage 5x on ad spend, gas, dining, and office supplies.
These are Chase cards, so the well-known 5/24 policy typically applies—if you’ve opened 5+ personal cards across any bank in the last 24 months, approval odds drop. Time your apps accordingly.
Bottom line
If you want maximum upside with minimal annual cost, the Premier is hard to beat thanks to a big up-front bonus, a renewable Free Night you can top off, Platinum status, and 4th Night Free. Traveler is the easiest on-ramp with a creative two-nights-plus-points bonus at $0 annual fee. Premier Business puts the largest pile of points on the table and has strong bonus categories for real-world business spending.
