New IHG One Rewards card offers: Highest-ever bonuses worth up to $1,500

Editor’s note: This is a recurring post, regularly updated with new information and offers.

If you have upcoming travel to any of IHG’s brands — including Holiday Inn, Crowne Plaza, Kimpton, InterContinental and Hotel Indigo — an IHG cobranded card can save you hundreds of dollars year after year.

Now is the perfect time to apply, as for a limited time, the two personal cards have the highest welcome offers we’ve seen in at least eight months. IHG currently offers two personal and one business credit card.

Let’s examine these welcome offers and determine which IHG One Rewards card is best for you.

Comparison of IHG One credit card welcome offers

*The bonus value is based on TPG’s May 2025 valuations and is not provided or reviewed by the issuer.

IHG One Rewards Premier Credit Card

If you stay at IHG properties at least a few times a year, the IHG One Rewards Premier Credit Card may be the right choice for you.

Welcome bonus: For a limited time, earn five free nights (up to 60,000 points per night) after spending $5,000 in the first three months from account opening. This offer ends July 23. 

If you max out each night at 60,000 points, the bonus could be worth up to 300,000 points. According to TPG’s May 2025 valuations, that makes it worth up to $1,500.

This matches the card’s highest welcome offer, which has only been offered once in the card’s offer history (in September last year). However, it does require an additional $1,000 in minimum spending ($5,000 instead of $4,000). Despite this higher minimum spending requirement, now is a great time to apply if you’ve been eyeing this card.

Annual fee: $99

Earning rates: Cardholders earn:

• 10 points per dollar spent on IHG stays
• 5 points per dollar spent on all other travel
• 5 points per dollar spent on dining (including takeout and eligible delivery services) and gas stations
• 3 points per dollar spent on all other eligible purchases

Why we like it: This card comes with a free night worth up to 40,000 points on each account anniversary and the option to top off your reward to redeem it for a more valuable night.

Other important perks include complimentary 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 four years and more — all for a $99 annual fee.

Factoring in the card’s fourth-night-free perk (when you use points to pay for three nights and get the fourth as a bonus) is an important consideration when thinking about the potential value you can get out of it. 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.

To learn more, check out our full review of the IHG One Rewards Premier card.

Apply here: IHG One Rewards Premier Credit Card

IHG One Rewards Traveler Credit Card

If you only stay with IHG once or twice each year, the IHG One Rewards Traveler Credit Card may make more sense for you than IHG’s premium option.

Welcome bonus: For a limited time, earn 120,000 bonus points after spending $2,000 in the first three months from account opening. This offer ends July 23.

According to TPG’s May 2025 valuations, this bonus is worth $600.

This matches the highest ever offer we’ve seen on this card, which was last offered over two years ago, making now an excellent time to apply.

Annual fee: $0

Earning rates: Cardholders earn:

• 5 points per dollar spent on IHG stays
• 3 points per dollar spent on utilities, dining (including takeout and eligible delivery services), select streaming services and gas stations
• 2 points per dollar spent on all other eligible purchases

Why we like it: This card offers complimentary Silver Elite status and the ability to get a fourth night free on bookings where you pay with points. Plus, the current welcome bonus is solid for a card with no upfront, annual cost.

To learn more, check out our full review of the IHG One Rewards Traveler card.

Apply here: IHG One Rewards Traveler Credit Card

IHG One Rewards Premier Business Credit Card

If you own your own business, you may want to consider the IHG One Rewards Premier Business Credit Card.

Welcome bonus: Earn 140,000 points after spending $4,000 in the first three months from account opening.

TPG’s May 2025 valuations peg those 140,000 IHG points up to $700.

This is the standard offer on the card. The highest welcome bonus we’ve seen offered was 175,000 bonus points a little over a year ago (no longer available). So, you might be better holding off on applying until there is a higher bonus.

Annual fee: $99

Earnings rate: Cardholders earn:

• 10 points per dollar spent on IHG stays
• 5 points per dollar spent on dining, gas, office supply stores, search engine advertising, social media and travel
• 3 points per dollar spent on all other eligible purchases

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

For instance, the annual free night award (worth up to 40,000 points) can be topped off with an unlimited number of points, and you’ll also enjoy elite perks thanks to automatic IHG Platinum Elite status.

IHG Premier Business cardholders can also earn 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 once every four years, a fourth night free on award stays and up to $50 of United TravelBank credit each calendar year.

To learn more, check out our full review of the IHG One Rewards Premier Business card.

Apply here: IHG One Rewards Premier Business Credit Card

Reasons to get an IHG One Rewards card beyond the bonus

Earning a chunk of bonus 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 One Rewards card offers complimentary elite status.

For example, IHG One Rewards Premier and IHG One Rewards Premier Business cardholders receive IHG Platinum Elite status.

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. The benefits Platinum Elite status provides include early check-in and late checkout (subject to availability) and 60% bonus points on IHG stays.

Fourth-night-reward benefit

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

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

TPG’s May 2025 valuations peg 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: How to maximize award redemptions with the IHG One Rewards program

Category bonuses

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

But it gets better than that. Since the IHG One Rewards Premier and the IHG One Rewards Premier Business grant you complimentary Platinum Elite status, you’ll also earn a 60% points bonus on IHG hotel stays.

IHG One Rewards base members earn 10 points per dollar spent at most properties, so the 60% elite bonus provides 16 points per dollar at IHG properties. Add that to the 10 points per dollar you earn with either card and you’ll get 26 points total per dollar spent on these cards on IHG hotel stays, equating to a 13% return (based on TPG’s May 2025 valuations).

Buying points discount

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.

Related: Should you buy IHG points or transfer rewards from Chase?

Application rules

You can have multiple IHG credit cards, but know that the IHG One 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 One Rewards credit card (which includes the legacy IHG One Rewards Select Credit Card (that’s no longer available to new applicants) or if you received a new cardholder 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.

The information for the IHG One Rewards Select Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The ultimate guide to credit card application restrictions

Bottom line

Even casual travelers can benefit from an IHG credit card thanks to the complimentary elite status and free-night certificate you earn each year.

Plus, with with the limited-time elevated welcome offers right now, it may be a great time to apply and add one of these cards to your wallet.

Apply here: IHG One Rewards Premier
Apply here: IHG One Rewards Traveler
Apply here: IHG One Rewards Premier Business