Best IHG One Rewards Credit Cards

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IHG One Rewards Premier Select Credit Card

ChaseIHG Rewards

Why consider it: For frequent IHG guests using an anniversary night, Platinum status, and a fourth reward night on eligible stays.

Trade-off: The anniversary certificate has a points ceiling and expiry; a second annual night requires qualifying spending. Benefits you actually use must justify the annual fee.

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,260Total$1,260Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,260
Welcome offerUp to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first authorized user within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.: Up to 210,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Up to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first authorized user within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
Earn 12 points per $1 at IHG Hotels & Resorts (up to 28 total points per $1 with your IHG One Rewards member and elite earnings).
Earn 6 points per $1 on dining and other travel, including rideshare. Earn 3 points per $1 on all other purchases.
Anniversary Free Night each year (redemption cap of 60,000 points), plus a second Free Night after $40,000 in purchases in a calendar year.
Automatic Platinum Elite status and 20 Elite Night Credits each year; Diamond Elite status after $25,000 in purchases in a calendar year.
A $200 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. IHG Food & Beverage Reward vouchers of up to $75 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
$350 annual fee. No foreign transaction fees.

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Rewards: Rate
IHG hotels: 12x
Eligible IHG hotel purchases — card points only: 12x
Restaurants: 6x
Travel: 6x
Transit: 6x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 210,000 points
3x on groceries
6x at restaurants

Cons

High annual fee ($350)

The top tier of Chase's IHG lineup

Launched in October 2026, the IHG One Rewards Premier Select Credit Card carries a $350 annual fee and a welcome offer of Up to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user within those same first 3 months. The extra 10,000 is included in this maximum.

It earns 12 points per $1 at IHG Hotels & Resorts (up to 28 points per $1 in total), 6 points per $1 on dining and other travel, and 3 points per $1 everywhere else.

Automatic Platinum Elite status and 20 Elite Night Credits a year
Anniversary Free Night worth up to 60,000 points, and a second one after $40,000 in annual spend
Up to $75 a quarter in IHG Food & Beverage Rewards and a $200 airline credit…

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IHG One Rewards Business Credit Card

BusinessChaseIHG Rewards

Why consider it: Business card. For business travelers using IHG hotels who can put the anniversary night and status benefits to work.

Trade-off: Check certificate limits and business eligibility; hotel loyalty is less useful when work dictates another chain. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $200
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerUp to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first employee card within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.: Up to 200,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $200/yr
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Up to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first employee card within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
Enjoy an Anniversary Free Night (redemption cap of 50,000 points) at IHG Hotels & Resorts, plus a second Free Night after $60,000 in purchases in a calendar year. Fourth reward night free on consecutive four-night award stays.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 10 points per $1 from the card on eligible IHG purchases, plus up to 16 from eligible IHG membership and Platinum status earnings for up to 26 total; some brands earn less. Earn 5 points per $1 on dining, eligible search/social advertising and gas stations. Travel and office-supply-store purchases earn 5 through December 31, 2026; from January 1, 2027, only directly purchased airline tickets and car-rental agencies retain the travel accelerator, while other travel and office supplies earn 3. All other purchases earn 3 points per $1. The issuer posting date, including merchant delays, determines eligibility. The calculator uses only card points and weights the remaining promotional days over twelve months from its reference date. Enter direct airline/car-rental and IHG hotel purchases separately and count each purchase once.
Automatic Platinum Elite status, plus 15 Elite Night Credits each year; Diamond Elite status after $50,000 in purchases in a calendar year (from January 1, 2027)
A $100 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. Up to $100 in eligible Expensify credits per calendar year. IHG Food & Beverage Reward vouchers of up to $25 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
$200 annual fee. No foreign transaction fees.
Member FDIC

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Rewards: Rate
IHG hotels: 10x
Eligible IHG hotel purchases — card points only: 10x
Gas: 5x
Restaurants: 5x
Search-engine & social-media advertising: 5x
Airline tickets bought directly and car rentals: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 200,000 points
3x on groceries
5x at restaurants

Cons

High annual fee ($200)

Unlock Premium Travel Benefits with the IHG One Rewards Business Credit Card

Welcome offer: earn Up to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first employee card within those same first 3 months. The extra 10,000 is included in this maximum.

The IHG One Rewards Business Credit Card (formerly Premier Business) carries a $200 annual fee. Its anniversary free night (up to 50,000 points) can outvalue that fee on its own. Plus, you’ll enjoy:

Automatic IHG Platinum Elite status and 15 Elite Night Credits a year
Fourth night free on award redemptions
$100 airline credit and Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years…

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IHG® One Rewards Premier Credit Card

ChaseIHG Rewards

Why consider it: For regular IHG guests who can use the anniversary night, status benefits, and award-stay savings.

Trade-off: The anniversary certificate has a points allowance and expiry; compare eligible properties with your destinations. Benefits you actually use must justify the annual fee.

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,140Total$1,140Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,140
Welcome offerEarn up to 190,000 IHG One Rewards bonus points: 180,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.: Up to 190,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to 190,000 IHG One Rewards bonus points: 180,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.
Enjoy an Anniversary Free Night (redemption cap of 50,000 points) 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 24 total points per $1 on eligible IHG stays: 10 from the card, up to 10 from membership and up to 4 from Gold Elite status. Totals vary by brand and eligibility. The calculator includes only the card’s 10 points, not programme or status points.
Earn 5 points per $1 on dining, grocery stores and gas stations. Travel purchases posted through December 31, 2026 also earn 5; after that date, only airline tickets bought directly and car-rental agencies retain 5, while other travel earns 3. All other purchases earn 3 points per $1. Merchant posting delays can change eligibility. The calculator weights the remaining promotional days over twelve months from its reference date, then uses ongoing rates. Variable purchase APR: 19.49%–27.99%; $150 annual fee and no foreign transaction fees. Source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
Automatic Gold Elite status as long as you remain a Premier cardmember; Platinum Elite status after $15,000 in purchases in a calendar year. The $15,000 eligible calendar-year threshold also earns 5 Elite Night Credits and 15,000 bonus points; $40,000 in eligible calendar-year purchases can qualify for Diamond Elite status. These annual-spend points are separate from the welcome offer and are not added to the calculator estimate.
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

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Rewards: Rate
IHG hotels: 10x
Eligible IHG hotel purchases — card points only: 10x
Groceries: 5x
Gas: 5x
Restaurants: 5x
Airline tickets bought directly and car rentals: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 190,000 points
5x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Credit Card

Welcome offer: earn 180,000 Bonus Points with the IHG One Rewards Premier Credit Card after $3,000 in eligible purchases in the first 3 months, plus 10,000 points after adding the first authorized user in the first 3 months, for up to 190,000 points in total. The authorized-user bonus is awarded once.

The IHG One Rewards Premier Credit Card is most relevant to travelers who can use its anniversary free night certificate (up to 50,000 points before any permitted points top-up). Redeem it and complete the stay within 12 months of issue; availability and additional charges can affect its value. Compare the stay you would actually book with the annual fee. Other benefits include:

Automatic IHG Gold Elite status, and Platinum Elite after $15,000 in purchases in a calendar year
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years…

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IHG One Rewards Credit Card

ChaseIHG Rewards

Why consider it: For earning IHG points on occasional stays without choosing the premium IHG tier. No annual fee.

Trade-off: Compare the annual-night benefits of paid IHG cards; earning hotel points does not guarantee an available room.

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$810Total$810Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $810
Welcome offerEarn up to 135,000 IHG One Rewards bonus points: 125,000 after $2,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.: Up to 135,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to 135,000 IHG One Rewards bonus points: 125,000 after $2,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 on groceries, gas stations and dining; earn 2 on other purchases. Eligible utilities, internet, cable, phone and select streaming purchases posted through December 31, 2026 earn 3, then 2. Merchant posting delays can affect eligibility. Enter those eligible services separately in the calculator, which weights only the remaining promotional days over twelve months; general bills stay at 2.
No Foreign Transaction Fees
Every fourth night costs no points on eligible standard-room reward stays of at least four consecutive nights at the same property, subject to availability; paid and Points & Cash stays are excluded. From January 1, 2027, $5,000 in eligible calendar-year purchases is required. Once qualified, the benefit lasts through that year and the following calendar year; allow 6–8 weeks for activation.
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Hotel Indigo^® & Holiday Inn^®
Member FDIC

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Rewards: Rate
IHG hotels: 5x
Eligible IHG hotel purchases — card points only: 5x
Groceries: 3x
Gas: 3x
Restaurants: 3x

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Pros

No annual fee
Welcome bonus of 135,000 points
3x on groceries
3x at restaurants

Cons

Fewer premium perks

Maximize Your Stays with the IHG One Rewards Credit Card

125,000 bonus points after $2,000 in eligible purchases in the first 3 months, plus 10,000 points after adding the first authorized user in the first 3 months, for up to 135,000 points in total. The authorized-user bonus is awarded once.
Up to 17x points per $1 on eligible IHG stays: 5 from the card, plus up to 12 from membership and Silver status; totals vary by brand
3x points on groceries, gas and dining; eligible utilities, internet, cable, phone and select streaming also earn 3 until December 31, 2026, then 2
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on eligible standard-room award stays of at least four consecutive nights at the same hotel; from 2027, $5,000 in calendar-year purchases is required

This no-annual-fee card is most useful if you redeem points for eligible IHG stays. Separate its 5 card points per $1 at qualifying IHG hotels from the membership and status points included in the advertised maximum of 17. The services promotion ends on December 31, 2026; it does not cover every monthly bill. Automatic Silver Elite status is included; $15,000 in eligible calendar-year purchases can earn Gold Elite status and 10,000 bonus points under the issuer’s terms. The annual-spend award is separate from the welcome offer and is not added to the calculator’s estimate.

Offer eligibility, required spending, hotel availability and issuer terms apply. A no-annual-fee card can still charge interest and other fees. Variable purchase APR: 19.49%–27.99%; no foreign transaction fees. Source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler

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Complete Guide

Compare IHG Premier, Traveler, and business credit cards.

Compare the cards actually shown below. Sharing an issuer, network, or rewards program does not make their fees, eligibility, or benefits identical.

Cards listed

Oct 2026

Last updated

USD

Currency

Our Methodology

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card should I choose from this table?

Start with your spending and eligibility. Read each card’s reason and trade-off, then compare its fees and terms. First position does not guarantee the best fit for your situation.

2How is the order determined?

3Are business cards suitable for everyone?

No. They require eligible business activity and may carry a personal guarantee. A large welcome offer does not make a business card suitable for personal spending.

4Where should I verify offers and benefits?

The table and card details read the site’s catalogue. Also check current issuer terms before applying: welcome offers, required spending, and lounge-access rules can change.

5Does a no-fee card guarantee savings?

No. Interest and other charges can outweigh rewards. Compare the full cost and, when possible, pay your statement balance in full.

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Best IHG One Rewards Credit Cards - October 2026

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