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Chase just launched two great welcome offers on the IHG One Rewards Traveler Credit Card (Rates & Fees) and the IHG One Rewards Premier Credit Card (Rates & Fees). These new bonuses offer five free nights — each valued at up to 60,000 points — or 120,000 bonus points. But should you add one to your wallet? And what do these cards offer beyond great bonuses?
Here's what you need to know about the new offers, along with a comparison to other IHG credit cards to help you determine which one is right for you.
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
- Earn 26 points total per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on purchases on travel, gas stations, and restaurants
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for being a IHG One Rewards Premier Credit Card member
- Earn 6X points from IHG® with Platinum Elite Status, a benefit of having this card
- Earn 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Page Contents
Overview of IHG Credit Card Offers
IHG has three credit cards open to new applicants — two for personal use and one for business expenses. The two consumer cards are currently featuring elevated offers, while the business card has a perpetually useful welcome offer.
- IHG One Rewards Premier Card: Earn 5 Free Nights, valued at up to 300,000 points (each night valued at up to 60,000 points), after spending $5,000 on purchases in the first 3 months from account opening. $99 annual fee.
- IHG One Rewards Traveler Card: Earn 120,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening . $0 annual fee.
- IHG One Rewards Business Card: Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. $99 annual fee.
On average, AwardWallet users redeem IHG points for 0.68¢ each. That means the value of these bonuses ranges from $816 to $2,040, depending on the card you apply for and whether you can truly maximize each free night.
Earn 120,000 Bonus Points on the IHG One Rewards Traveler Card
The IHG One Rewards Traveler Card is offering 120,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening . That's not too bad, considering the card charges no annual fee. The bonus on this card is worth around $816.
- Our Highest Points Offer of 2025! Earn 120,000 Bonus Points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
IHG One Rewards Traveler Card highlights
While the IHG One Rewards Traveler Card doesn't receive the anniversary free night certificate offered by other IHG credit cards, cardholders still have access to some great perks. Highlights include:
- IHG elite status: Automatically receive IHG One Rewards Silver Elite status. Earn IHG One Rewards Gold Elite status after spending $20,000 on eligible purchases (and then making one additional purchase) each calendar year.
- Spending bonus: Earn 10,000 bonus points after spending $10,000 on purchases (and then making one additional purchase) each calendar year.
- Fourth night free: Get the fourth night free on award bookings of four nights or longer.
- Save on point purchases: 20% discount when purchasing IHG One Rewards points — although you can’t stack the discount with buy miles bonus offers.
- No foreign transaction fees.
- Enhanced earning rates: Earn 17 points total per $1 spent when you stay at an IHG hotel, 3 points on purchases on monthly bills, gas stations, and restaurants, and 2 points per $1 spent on all other purchases.
Related: IHG One Rewards Traveler Card Full Review
Earn 5 Free Nights With the IHG One Rewards Premier Card
The latest offer from Chase on the IHG One Rewards Premier Card delivers 5 Free Nights, valued at up to 300,000 points (each night valued at up to 60,000 points), after spending $5,000 on purchases in the first 3 months from account opening. Given the 0.68¢ apiece rate AwardWallet users typically redeem IHG points for, this offer is worth around $2,040 towards IHG stays — if you maximize each free night.
- Our Best Offer of 2025! Earn 5 Free Nights
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn 26 points total per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on purchases on travel, gas stations, and restaurants
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for being a IHG One Rewards Premier Credit Card member
- Earn 6X points from IHG® with Platinum Elite Status, a benefit of having this card
- Earn 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
IHG One Rewards Premier Card highlights
The IHG One Rewards Premier Card comes with a great set of perks to justify its annual fee. These include:
- IHG elite status: Complimentary IHG One Rewards Platinum Elite status. Earn IHG One Rewards Diamond Elite status after spending $40,000 on eligible purchases each calendar year.
- Free night: Anniversary free-night certificate valid at any IHG property — up to a value of 40,000 points per night. Redeem your free-night certificate for a hotel night that costs more than 40,000 points by paying the difference using IHG points.
- Enhanced earning rates: Earn 26X points total per $1 spent when you stay at an IHG hotel, 5x points on travel, gas stations, and restaurants, and 3x points per $1 on all other purchases.
- Spending bonuses: Earn 10,000 bonus points and a $100 statement credit after spending $20,000 on the card (and then making one additional purchase) each year.
- Save on point purchases: Get 20% off IHG points purchases. Unfortunately, this can't be stacked with buy IHG point promotions.
- Fourth night free: Get the fourth night free on award stays of four or more nights.
- United credits: $50 in United TravelBank credit each year after linking your card to United TravelBank.
- Global Entry/TSA PreCheck: $120 Global Entry/TSA PreCheck application fee reimbursement every four years. Alternatively, use this benefit to cover your NEXUS application fee.
With all of these perks, even occasional travelers should be able to get more than $99 in value out of the IHG One Rewards Premier Card each year.
Related: IHG One Rewards Premier Card Full Review
Earn 140,000 Bonus Points With the IHG One Rewards Business Card
Chase is currently offering 140,000 bonus points after spending $4,000 in the first 3 months from account opening on the IHG One Rewards Premier Business Credit Card. This isn't an elevated offer, but it's a solid one nonetheless.
New cardmembers can expect to get roughly $952 in value from this sign-up bonus. The card charges a $99 annual fee, putting it right in the sweet spot for a mid-tier small business card.
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn 26x total points per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
- Earn 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
- Earn 10X base points for being an IHG® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
IHG One Rewards Business Card highlights
In addition to the big sign-up bonus, the IHG One Rewards Business Card comes loaded with high-value perks and benefits. Highlights include:
- IHG elite status: Complimentary IHG One Rewards Platinum Elite status. Or, earn IHG One Rewards Diamond Elite status after spending $40,000 on eligible purchases each calendar year.
- Free night: Anniversary free-night certificate valid at any IHG property — up to a value of 40,000 points per night. Use your free-night certificate for a hotel night that costs more than 40,000 points by redeeming IHG points from your account to make up the difference.
- Additional free night: Earn an additional free night certificate (worth up to 40K points) after spending $60,000 on purchases (and then making one additional purchase) each calendar year.
- Fourth night free: Get a fourth night free any time you redeem points for any stay of four or more nights.
- Spending bonuses: Earn 10,000 bonus points and a $100 statement credit after spending $20,000 (and then making one additional purchase) on the card each year.
- United credits: $50 in United TravelBank credits each year after linking your card to United TravelBank.
- Global Entry/TSA PreCheck/NEXUS: up to $120 application fee reimbursement every four years for one of these programs.
- Earning IHG points: Earn 10x points at IHG hotels; 5x points on travel and at gas stations, restaurants and dining, social media and search engine advertising, and at office supply stores; and 3x points per $1 spent on all other purchases.
If you take advantage of the IHG One Rewards Business Card benefits, you can easily achieve more value than the $99 annual fee each year. And that's not considering the standout welcome offer.
Related: IHG One Rewards Business Card Full Review
Who’s Eligible for the Bonus Offers on the IHG Credit Cards?
If you already hold one of the IHG personal credit cards, you can't apply for a different IHG personal card. This is a relatively new restriction on the “IHG family” of consumer cards, which includes the IHG® Rewards Select Credit Card (no longer accepting applications), the IHG One Rewards Premier Card, and the IHG One Rewards Traveler Card.
To become eligible for a different IHG personal card, you'll need to close your current IHG card. You also need to wait at least 24 months from receiving a new card member bonus.
However, these restrictions apply only to the three consumer IHG cards. If you hold one of the consumer cards, there is no restriction on applying for the IHG One Rewards Premier Business Credit Card — or vice versa.
Like all Chase cards, the IHG credit cards are subject to Chase’s 5/24 policy. If you’ve opened five or more personal credit cards in the previous 24 months, you will not be approved for any of these cards. You're also unlikely to be approved for more than two of Chase's cards within a 30-day period.
Final Thoughts
If you're in the market for a new IHG credit card, there's no better time to apply than when there are elevated offers on the table. And right now, two IHG consumer credit cards are offering eye-catching welcome bonuses.
With the $99 annual fee IHG One Rewards Premier Card, you can earn 5 Free Nights, valued at up to 300,000 points (each night valued at up to 60,000 points) — and with the no-annual-fee IHG One Rewards Traveler Card, you can earn 120,000 bonus points. These are excellent offers on cards that already offer a competitive suite of ongoing benefits. Don't miss your chance to earn one of these bonuses while they're on offer.
- Our Best Offer of 2025! Earn 5 Free Nights
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- Earn 26 points total per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on purchases on travel, gas stations, and restaurants
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for being a IHG One Rewards Premier Credit Card member
- Earn 6X points from IHG® with Platinum Elite Status, a benefit of having this card
- Earn 10X points from IHG® for being an IHG® One Rewards member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
- Our Highest Points Offer of 2025! Earn 120,000 Bonus Points
- No Annual Fee
- Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- Rates & Fees
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
For rates and fees of the cards mentioned in this post, please visit the following links: IHG One Rewards Traveler Credit Card (Rates & Fees), IHG One Rewards Premier Credit Card (Rates & Fees), and IHG One Rewards Premier Business Credit Card (Rates & Fees)
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