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January 24, 2025: Chase and IHG are currently running limited-time sign-up bonus offers on the IHG One Rewards Traveler Credit Card and IHG One Rewards Premier Credit Card. While the cards now offer increased bonuses, Chase has been more generous with its bonuses in the recent past. Here are all of the details on the best IHG new cardmember offers.
Best IHG new cardmember offers
 IHG One Rewards Traveler Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. IHG One points expire after a short 12 months of inactivity. This card can be a good option if you are looking to keep your points alive and pay no annual fees. |
 IHG One Rewards Premier Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. Very similar to the business variant of the card, but usually offers a large sign-up bonus. |
 IHG One Rewards Premier Business Credit Card Annual fee: annual_fees | Sign-up bonus: bonus_miles_full Learn how to apply. While this card is very similar to the IHG One Rewards Premier Credit Card, it adds a few bonus categories relevant to business owners. |
My take: Increased bonuses are good, but timing these cards is also important
If you’re looking to pick up an IHG credit card, now is a decent time, but these offers don’t match the best offers we’ve seen on these cards in the recent past. While we have no information about what Chase might offer in the future, it might be worthwhile to wait for another round of limited-time bonuses if you don’t have an immediate need for these cards.
Since the Premier and Premier Business cards give you a free night each cardmember anniversary year after your first year, the timing of your IHG card applications can be important. Both cards’ free night certificates are awarded based on the account anniversary year and expire within 12 months from date of issue.
Timing your application can be especially important if you don’t travel often. For example, if you take only one trip per year in March, getting the account in February may not be a great idea—you’ll receive your annual certificate shortly before your trip, meaning you might not be able to use it. This becomes less of an issue if you’re traveling often and have more options to use your certificates during the year.
IHG One Rewards Traveler Credit Card
When to pick this card: Generally, we wouldn’t recommend picking this card. The other cards typically have a much larger sign-up bonus and are better for people who stay at IHG hotels. The IHG One Rewards Traveler Credit Card is more attractive as a downgrade option if you want to keep your IHG points from expiring and not pay an annual fee.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Traveler Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
You probably don’t want to get the IHG One Rewards Traveler Credit Card if you actively stay at IHG hotels, but it can be an attractive downgrade option if you want a no-annual-fee card that can keep your IHG points from expiring.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 5x points on stays at IHG® Hotels and Resorts
- 3x on dining.
- 3x on utilities.
- 3x on select streaming services.
- 3x at gas stations.
- 2x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Silver Elite Status.
Earn Gold Elite Status when you make purchases of $20,000 or more in a calendar year. - Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
Travel insurance benefits
- Baggage Delay Insurance.
- Lost Luggage Reimbursement.
- Trip Cancellation and Interruption Insurance.
IHG One Rewards Premier Credit Card
When to pick this card: The IHG One Rewards Premier Credit Card is probably the best card to pick if you stay at IHG properties and want to keep the card long-term or if you plan to downgrade to the no-annual-fee IHG One Rewards Traveler Credit Card. The card has similar point earnings at IHG hotels, but better travel insurance benefits than the business variant of the card.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Premier Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
The IHG One Rewards Premier Credit Card is the card you want if you actively stay at IHG hotels, since it earns twice as many points as the lower-tier card with no annual fee. The card also comes with an anniversary free night.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 10x points on stays at IHG® Hotels and Resorts
- 5x on travel.
- 5x on dining.
- 5x at gas stations.
- 3x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Platinum Elite Status
Earn Diamond Elite Status when you make purchases of $40,000 or more in a calendar year. - Anniversary Free Night
Earned on your cardmember anniversary each year, starting 12 months after your account open date. - Earn a $100 statement credit and 10,000 bonus points
after spending $20,000 each calendar year. - Redeem 3 nights, get 4th night free.
- Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
- Extended Warranty Protection.
Travel insurance benefits
- Auto Rental Coverage.
- Baggage Delay Insurance.
- Lost Luggage Reimbursement.
- Trip Cancellation and Interruption Insurance.
- Roadside Assistance.
- Travel Accident Insurance.
- Travel and Emergency Assistance.
Additional benefits
- Global Entry, TSA PreCheck® or NEXUS Statement Credit.
- Up to $50 United® Airlines TravelBank Cash each year.
IHG One Rewards Premier Business Credit Card
When to pick this card: In most cases, the IHG One Rewards Premier Credit Card is a better choice than the IHG One Rewards Premier Business Credit Card, thanks to the card’s better travel insurance protections and additional United Travel Bank credits. But if you’re looking for a card to use on your IHG stays while keeping balances off your personal credit report, the business card might be a reasonable option.
Sign-up bonus: bonus_miles_full
Learn how to apply.
IHG One Rewards Premier Business Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
If you stay at IHG hotels, you probably want either the IHG One Rewards Premier Business Credit Card or the IHG One Rewards Premier Credit Card in your wallet. The business card offers better rewards in more interesting categories than the personal variant, but less generous travel insurance benefits.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as IHG One Rewards points.
Rewards
- 10x points on stays at IHG® Hotels and Resorts
- 5x on travel.
- 5x on dining.
- 5x on select business purchases.
- 5x at gas stations.
- 3x on all other purchases.
Rewards are earned IHG One Rewards points.
Benefits
IHG® Hotels and Resorts benefits
- Platinum Elite Status
- Anniversary Free Night
Earned on your cardmember anniversary each year, starting 12 months after your account open date. - Earn a $100 statement credit and 10,000 bonus points
after spending $20,000 each calendar year. - Redeem 3 nights, get 4th night free.
- Save 20% on Rewards Points Purchases.
- Early Access to IHG Reward Night Sales.
Consumer insurance benefits
- Purchase Protection.
Travel insurance benefits
- Trip Cancellation and Interruption Insurance.
Additional benefits
- Global Entry, TSA PreCheck® or NEXUS Statement Credit.
Bottom line: Decent time to apply for personal IHG cards
Ultimately, the best time to apply for most cards is when there is a limited-time increased welcome offer available, as is currently the case with the IHG cards. You might be able to get a better bonus on these cards if you wait for the next round of limited-time offers—but you’ll likely be waiting for the better part of the year and there’s no guarantee that the offers will be bigger in the future.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.