Unlock a world of possibilities with our IHG One Rewards
Credit Cards: Premier, Traveler, and Premier Business.
Start your journey with remarkable travel perks and choice rewards through IHG One Rewards Credit Cards—structured to cater to different needs, whether you're a casual guest, a frequent traveler, or managing business expenses.
Quick Overview
Here’s a snapshot of each current card available to U.S.
consumers:
1. IHG One Rewards Premier Credit Card
- Annual
fee: $99
- Welcome
offer: Earn 165,000 bonus points after spending $3,000 in the first 3
months
- Points
potential: Up to 26X total points at IHG Hotels & Resorts (10X
from the card + up to 10X from IHG membership + up to 6X Platinum Elite
bonus)
- Other
earning rates: 5X on travel, gas, and dining; 3X on all other
purchases
- Cardmember
benefits:
- Automatic
Platinum Elite status
- Anniversary
Free Night (up to 40,000-point cap, with option to top-up)
- 4th
night free on point bookings
- 20%
discount on point purchases
- Global
Entry/TSA PreCheck or NEXUS fee credit ($120 every four years)
- Up
to $50 United TravelBank cash annually
- No
foreign transaction fees
- $100
statement credit + 10,000 points after $20,000 annual spend; Diamond
status after $40,000 spend
2. IHG One Rewards Traveler Credit Card
- Annual
fee: $0
- Welcome
offer: 2 Free Nights (worth up to 50,000 points each) plus 40,000
bonus points after $2,000 spend in 3 months
- Points
potential: Up to 17X total points at IHG (5X card + up to 10X
membership + up to 2X Silver status bonus)
- Other
earning rates: 3X on utilities, streaming, gas, dining; 2X on other
purchases
- Cardmember
benefits:
- Automatic
Silver Elite status
- 4th
night free on points
- 20%
discount on point purchases
- Early
access to reward sales
- No
foreign transaction fees
- 10,000
bonus points after $10,000 annual spend; Gold status after $20,000 spend
3. IHG One Rewards Premier Business Credit Card
- Annual
fee: $99
- Welcome
offer: Up to 200,000 bonus points—140,000 after $4,000 spend in 3
months + 60,000 more after $9,000 spend in 6 months
- Points
potential: Up to 26X at IHG (same 10X + 10X + 6X breakdown)
- Other
earning rates: 5X on travel, dining, gas, select business categories
(social media, advertising, office supplies); 3X on other purchases
- Cardmember
benefits:
- Automatic
Platinum Elite status
- Anniversary
Free Night up to 40,000 points (can top up)
- 4th
night free on points bookings
- Global
Entry/TSA PreCheck / NEXUS credit ($120 every 4 years)
- Up
to $50 United TravelBank cash annually
- No
foreign transaction fees
- $100
statement credit + 10,000 points after $20,000 spend; Diamond status
after $40,000 spend
Direct Link To Offer
Is This Offer Profitable for Customers?
Yes—especially if you stay frequently at IHG properties
or can meet spending thresholds.
- Premier
& Premier Business cards offer compelling value with high welcome
bonuses (165K–200K points), elite status, complimentary nights, and robust
point multipliers. These easily offset the $99 annual fee if you travel at
least once per year.
- Traveler
card delivers solid value with no annual fee and substantial welcome
extra (free nights + points). Best suited for occasional travelers looking
to earn rewards with minimal cost.
- Business
card particularly shines for business expenses—extra multiplier
categories and elevated bonuses make it an excellent choice for
entrepreneurs or frequent business travelers.
Review
If you’re earning
enough points or staying enough nights to leverage the free-night certificates,
elite benefits, and welcome bonuses, these IHG One Rewards cards are likely a
smart move.
