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Best time to apply for IHG Chase cards based on offer history
Danyal Ahmed
Credit card writer
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
June 12, 2025
•
16 min read
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Knowing when to apply for a card can be difficult, especially considering that earning a sizable welcome bonus may be the primary factor.
Offers change frequently, and whether you're after a large sum of points or free night certificates, knowing the history of offers for credit cards can be useful to understand the difference between amazing and not-so-good bonuses.
If you find yourself frequenting IHG properties often, such as those part of the InterContinental and Kimpton brands, then a cobranded IHG credit card can provide useful perks during your stay. These include elite status, an anniversary free night and bonus points when paying for your accommodations.
Here's a list of Chase's best credit card welcome bonuses for cobranded IHG cards, included their offer histories and when you should apply for a card based on its best-ever welcome bonus.
Related: New IHG One Rewards card offers: Highest-ever bonuses worth up to $1,500
Best IHG credit card welcome bonuses
| Card | Best welcome offer we've seen | When to apply |
|---|---|---|
Earn five free nights (each valued at up to 60,000 points) after spending $4,000 on purchases in the first three months from account opening. | If the offer is better than 140,000 points, whether that's extra points or a free night award added on | |
Earn two free night (up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | Any time the offer is above 80,000 points | |
Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 in the first six months. | Any time the offer is more than 140,000 points |
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card offers perks like a free night award on your account anniversary, up to $50 in United TravelBank cash each year, a TSA PreCheck/Global Entry statement credit and automatic Platinum Elite status. Best of all, the card comes with a low $99 annual fee.
Here are the offers we've seen on the IHG One Premier card over the past years, including before its refresh in early 2022:
| Approximate date | Offer | Value* |
|---|---|---|
October 2025 to now | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
September 2025 to October 2025 | Earn 165,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $825 |
July 2025 to September 2025 | Earn 140,000 bonus points after spending $3,000 in the first three months from account opening. | $700 |
May 2025 to July 2025 | Earn five free nights (each valued at up to 60,000 points) after spending $5,000 on purchases in the first three months from account opening. | Up to $1,500 |
March 2025 to May 2025 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
January 2025 to March 2025 | Earn 170,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $850 |
September 2024 to January 2025 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
July 2024 to September 2024 | Earn five free nights (each valued at up to 60,000 points) after spending $4,000 on purchases in the first three months from account opening. | Up to $1,500 |
April 2024 to July 2024 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
February 2024 to April 2024 | Earn 165,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $825 |
September 2023 to February 2024 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
June 2023 to September 2023 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. Plus, earn up to $100 in statement credits on purchases at IHG properties during the first 12 months from account opening. | $800 (including statement credit) |
April 2023 to June 2023 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
January 2023 to April 2023 | Earn 175,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $875 |
April 2022 to January 2023 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
January 2022 to March 2022 | Earn 125,000 bonus points plus a free night award (worth up to 40,000 bonus points) after spending $3,000 on purchases in the first three months from account opening. | $625 for the points and $100-plus for the free night award |
October 2021 to December 2021 | Earn 150,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $750 |
May 2021 to October 2021 | Earn 125,000 bonus points plus a free night award (worth up to 40,000 bonus points) after spending $3,000 on purchases in the first three months from account opening. | $625 for the points and $100-plus for the free night award |
December 2020 to April 2021 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
May 2020 to November 2020 | Earn 125,000 bonus points plus a free night award (worth up to 40,000 bonus points) after spending $3,000 on purchases in the first three months from account opening. | $625 for the points and $100-plus for the free night award |
October 2019 to April 2020 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
June 2019 to September 2019 | Earn 125,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $625 |
*Bonus offer value is based on TPG's June 2025 valuations and not provided by the credit card issuer.
Highest welcome offer
With this card's highest-ever welcome offer, new cardholders could earn five free nights (each valued at 60,000 points) after spending $5,000 on purchases in the first three months of account opening.
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When to apply
When the offer is over 140,000 points, it's the right time to apply.
Learn more: IHG One Rewards Premier Credit Card
IHG One Rewards Traveler Credit Card
The IHG One Rewards Traveler Credit Card has no annual fee but offers perks like entry-level elite status and a fourth night free on award stays. Cardholders also have the ability to earn a higher elite status and bonus points through credit card spending in a calendar year.
Here are the offers on the IHG One Rewards Traveler card from the past few years:
| Approximate date | Offer | Value* |
|---|---|---|
October 2025 to now | Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening. | $400 |
September 2025 to October 2025 | Earn two free nights (up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months of account opening. | Up to $700 |
July 2025 to September 2025 | Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening. | $400 |
May 2025 to July 2025 | Earn 120,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $600 |
March 2025 to May 2025 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
January 2025 to March 2025 | Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $500 |
November 2024 to January 2025 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
October 2024 to November 2024 | Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $500 |
September 2024 to October 2024 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
July 2024 to September 2024 | Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $500 |
April 2024 to July 2024 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
February 2024 to April 2024 | Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $500 |
September 2023 to February 2024 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
June 2023 to September 2023 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. Plus, earn up to $50 in statement credits on purchases at IHG properties during the first 12 months from account opening. | $450 (including statement credit) |
April 2023 to June 2023 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
January 2023 to April 2023 | Earn 120,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $600 |
July 2022 to January 2023 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
March 2022 to June 2022 | Earn 120,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $600 |
December 2021 to February 2022 | Earn 80,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $400 |
January 2021 to December 2021 | Earn 60,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $300 |
October 2020 to December 2020 | Earn 100,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $500 |
July 2020 to September 2020 | Earn 75,000 bonus points after spending $2,000 on purchases in the first three months from account opening. | $375 |
*Bonus offer value is based on TPG's June 2025 valuations and not provided by the credit card issuer.
Highest welcome offer
With this card's highest-ever welcome offer, new cardholders can earn two free nights (valued at up to 50,000 points each) plus 40,000 bonus points after spending $2,000 on purchases in the first three months from account opening.
When to apply
Whenever the offer is greater than 80,000 points, it's time to apply.
Learn more: IHG One Rewards Traveler Credit Card
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card fits businesses loyal to IHG. The card offers Platinum Elite status, a free night award on your card anniversary and the ability to earn another free night award after meeting a spending requirement each calendar year.
Here are the offers on the IHG One Rewards Premier Business card from the past:
| Approximate date | Offer | Value* |
|---|---|---|
October 2025 to now | Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $700 |
September 2025 to October 2025 | Earn up to 200,000 bonus points: 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending $9,000 in the first six months from account opening. | Up to $1,000 |
May 2025 to September 2025 | Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $700 |
March 2025 to April 2025 | Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 60,000 bonus points after spending a total of $9,000 in the first six months. | Up to $1,000 |
May 2024 to March 2025 | Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening. | $700 |
April 2024 to May 2024 | Earn 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening and an additional 35,000 bonus points after spending a total of $7,000 in the first six months. | $875 |
June 2023 to April 2024 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
April 2023 to June 2023 | Earn 165,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $825 |
March 2022 to April 2023 | Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. | $700 |
*Bonus offer value is based on TPG's June 2025 valuations and not provided by the credit card issuer.
Highest welcome offer
The highest welcome offer on this card gives cardholders 140,000 bonus points after spending $4,000 in the first three months and an additional 60,000 bonus points after spending a total of $9,000 in the first six months after account opening.
When to apply
Applying for the card is worthwhile when the offer is over 140,000 points.
Learn more: IHG One Rewards Premier Business Credit Card
Bottom line
Keep this guide handy if you ever want to apply for a cobranded Chase IHG credit card. That way, you can see the trends and know when it's the right time to apply.
Submitting your application at the right time can mean the difference between a short stay and a spectacular stay at one of the more luxurious IHG portfolio properties.
Keep in mind Chase's infamous 5/24 rule to make sure your chances of approval won't be affected.
To learn more about credit card bonus offers over time, see the following:
- The best time to apply for these popular Capital One credit cards based on offer history
- The best time to apply for these popular Chase credit cards based on offer history
- The best time to apply for these popular Citi cards based on offer history
- The best time to apply for these popular American Express cards based on offer history
Featured image by ROGER DAVIES/KIMPTON
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
TPG featured card
Best for businesses with high spending
Apply for Capital One Venture X Business
Terms & restrictions apply. See rates & fees
TPG Editor‘s Rating
Go to reviewCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Venture X Business
at Capital One's secure site
Rewards
2 - 10X miles
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro offer
LIMITED-TIME OFFER: Earn up to 400K bonus miles
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 months
Annual Fee
$395
Recommended Credit
740-850
Excellent
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
Apply for Capital One Venture X Business
at Capital One's secure site
Terms & restrictions apply. See rates & fees
Best for businesses with high spending
TPG Editor‘s Rating
Go to reviewCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Rewards Rate
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro Offer
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month