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Best-ever offers on IHG cards: Earn up to 175,000 points

Jan. 26, 2023
9 min read
a hotel pool surrounded by lounge chairs with skyscrapers in the background
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Sign-up bonuses come and go, but it's not often that they can be described as "best ever." The elevated offers on two IHG credit cards are just that.

IHG revamped its credit card portfolio less than a year ago, offering new perks and benefits, and launching a business credit card for the first time.

If you have upcoming travel to any of IHG's brands — which include Holiday Inn, Holiday Inn Express, Crowne Plaza, Kimpton, InterContinental and Hotel Indigo — these new cards can save you hundreds of dollars year after year. And that's beyond the juicy welcome bonuses available right now.

Let’s take a look at these welcome offers and see which IHG Rewards card is the best fit for you.

IHG Rewards Premier Credit Card

Sign-up bonus: Earn 175,000 bonus points after spending $3,000 on purchases within the first three months of account opening. TPG values this bonus at $875. This is the highest offer ever on the IHG Premier card.

Annual fee: $99.

THE POINTS GUY

Earning rate: 10 points per dollar on IHG stays, 5 points per dollar on all other travel, 5 points per dollar on dining (including takeout and eligible delivery services) and gas stations, and 3 points per dollar on all other eligible purchases.

Why we like it: The card comes with a free night worth up to 40,000 points on each account anniversary. Other important perks include automatic IHG Platinum elite status (with a pathway to Diamond), up to $50 of United TravelBank cash per calendar year, reimbursement for your application fee to Global Entry, TSA PreCheck or Nexus every for years and more — all for a $99 annual fee.

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Factoring in the card’s fourth-night award perk (when you use points to pay for three nights and get the fourth as a bonus), you could get up to 20 award nights at IHG hotels with this one sign-up bonus. Reward nights start at just 10,000 points apiece, ranging from practical options in the U.S. to lodgings abroad in Berlin, Brazil and beyond.

For more details, see our full review of the IHG Premier card.


Official application link: IHG Rewards Premier Credit Card.


IHG Rewards Traveler Credit Card

Sign-up bonus: Earn 120,000 bonus points after spending $2,000 on purchases within the first three months of account opening. TPG values this bonus at $600. This is the highest offer ever on the IHG Traveler card.

Annual fee: $0.

THE POINTS GUY

Earning rate: 5 points per dollar on IHG stays, 3 points per dollar on utilities, internet, cable, phone and select streaming services, 3 points per dollar on dining (including takeout and eligible delivery services) and gas stations, and 2 points per dollar on all other eligible purchases.

Why we like it: IHG’s no-annual-fee card, the IHG Rewards Traveler Credit Card, offers automatic Silver Elite status and the ability to get a fourth night free on bookings where you pay with points. Plus, the current sign-up bonus is solid for a card with no up-front, yearly cost.

For more details, see our full review of the IHG Traveler card.


Official application link: IHG Rewards Traveler Credit Card.


IHG Rewards Premier Business Credit Card

Sign-up bonus: Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening. TPG values this bonus at $700.

Annual fee: $99.

THE POINTS GUY

Earning rate: 10 points per dollar on IHG stays, 5 points per dollar on travel, dining, gas, social media and search engine advertising and at office supply stores, and 3 points per dollar on all other eligible purchases.

Why we like it: The IHG Rewards Premier Business Credit Card mimics many of the same great perks on the consumer version — the IHG Rewards Premier Credit Card.

For instance, the annual free night award (worth up to 40,000 points) can also be topped off with an unlimited number of points, and you’ll also enjoy elite perks thanks to automatic IHG Platinum status. Cardholders will also receive an additional free night award worth up to 40,000 points (that can also be topped off with additional points) after spending $60,000 each calendar year.

Other benefits include reimbursement for your application fee to Global Entry, TSA PreCheck or Nexus, a fourth night free on award stays and $50 of United TravelBank credit each year.

For more details, see our full review of the IHG Business card.


Official application link: IHG Rewards Premier Business Credit Card.


Reasons to get an IHG Rewards card beyond the bonus

Earning up to 175,000 points for adding a new card to your wallet is very enticing, but these three cards offer a lot of potential value beyond that initial haul of points.

Elite status

Every IHG Rewards card offers some level of automatic elite status.

For example, IHG Rewards Premier and IHG Rewards Premier Business cardholders will earn automatic IHG Platinum Elite status. TPG currently values Platinum Elite status at $1,245 for those who earn it through stays. Obviously, that value is less for those who stay at IHG-branded hotels less frequently, but you should be able to recoup the $99 annual fee on the consumer or business version of the Premier card if you spend more than a few nights a year at IHG properties.

Fourth-night-reward benefit

All IHG Rewards cardholders automatically get a fourth consecutive night reward. In short, when you redeem points for stays of four nights or more, the fourth night is complimentary.

This benefit’s value depends on your travel style. For travelers who only book short hotel stays, this isn’t very useful. But for travelers who stay long enough to utilize this perk, it can be incredibly worthwhile. And there’s no cap on how many points you can save with this benefit.

TPG values IHG points at 0.5 cents each. Thus, a single fourth-night reward stay at a 20,000-point property saves you $100 worth of IHG points.

Related: The incredibly easy way of redeeming IHG’s 4th-night reward

Kimpton Naranta Bali with a large indoor-outdoor bathroom. IHG HOTELS & RESORTS

Category bonuses

The IHG Rewards cards help you rack up points fast, thanks to an expansion of bonus categories — including gas, which can be an expensive recurring purchase for many households.

But, it gets better than that. Since the IHG Rewards Premier and the IHG Rewards Premier Business both grant you automatic Platinum Elite status, you’ll also earn a 50% points bonus on IHG hotel stays. IHG Rewards members earn 10 points per dollar spent at most properties, so the 50% elite bonus provides 15 points per dollar at IHG properties. Add that to the 10 points per dollar you earn with the card and you’ll get (at least) 25 points total per dollar spent on the card on IHG hotel stays.

20% discount on buying points

Finally, if you need to top off your IHG points balance, you can get a 20% discount when you buy points with your card. Combined with the ability to top off free night certificates, this perk could be handy if you’re looking to save up your awards for aspirational stays.

Application rules

You can have multiple IHG credit cards, but know that the IHG Rewards cards, like all other Chase cards, are subject to Chase’s 5/24 rule. This means if you’ve opened five or more personal credit card accounts across all banks in the last 24 months, Chase is unlikely to approve you.

Note that you also aren’t eligible if any of these exclusions apply to you:

  • For personal cards: If you currently have a personal IHG Rewards credit card (which includes the legacy IHG Rewards Club Select Credit Card that's no longer available to new applicants) or if you received a bonus on any personal IHG credit card in the past 24 months.
  • For the IHG Business card: You received a new cardmember bonus on this card in the last 24 months.

Related: The ultimate guide to credit card application restrictions

IHG has thousands of properties worldwide, including this wanderlust resort in the Maldives. KATIE GENTER/THE POINTS GUY

Bottom line

The IHG Rewards credit cards are even more enticing once you factor in these excellent new welcome offers. On top of quality benefits, you can receive the best welcome bonuses we've ever seen on two of these three cards if you apply right now.

Related: The best time to apply for these popular Chase credit cards based on offer history


Official application link: IHG Rewards Premier Credit Card
Official application link: IHG Rewards Traveler Credit Card
Official application link: IHG Rewards Premier Business Credit Card


Additional reporting by Ryan Wilcox, Benji Stawski and Ryan Smith.

Featured image by BENJI STAWSKI/THE POINTS GUY
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.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

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 card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended 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.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023