7 Reasons You’ll Want the New IHG Credit Card

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IHG® Rewards Club Premier Credit Card

The brand-new Chase-issued IHG® Rewards Club Premier Credit Card has as big a bonus as we’ve ever seen for a card with the loyalty program for Intercontinental, Kimpton, Crowne Plaza and Holiday Inn. There are new benefits for this product, even existing IHG Rewards Club credit card customers can apply, and anecdotally IHG cards have been relatively easier to get approved for in the past.

Intercontinental Kuala Lumpur

There are 7 reasons to get this card:

  1. 85,000 points. The card’s initial bonus is 80,000 points after $2000 spend within 3 months and 5,000 points after you add your first authorized user and make a purchase in the first three months.

  2. Elite status. You get Platinum elite status as long as you’re a cardmember.

  3. Annual free night after each account anniversary year. The annual free night is limited to most of the hotels that are bookable for 40,000 points per night or less. It also must be used within 12 months of issue.

  4. Free reward night on points stays of 4 or more nights. (That’s better than the ‘5th night free’ from Starwood and from Hilton, and amounts to a 25% discount on four night award stays.)

  5. Not subject to 5/24. For many Chase cards you can only get approved if you’ve had fewer than 5 new credit card accounts in the last 24 months. That was never the case for IHG Rewards Club cards. And reports are that’s still true here. Initial data points that I’ve seen suggest that ‘5/24’ does not apply to this card. That makes it the perfect Chase card to get if you’ve had several new cards opened in the last two years.

  6. New card product. While Chase is limiting Southwest cards to one personal card at a time for the whole family, that does not appear to be the case for the IHG cards. So if you have an existing personal IHG Rewards Club credit card reports are people are getting approved for this one too. That’s great for the 4th night free on points redemptions and the annual free night as well as the signup bonus points.

  7. Gift someone Global Entry. The card comes with Global Entry or TSA Precheck fee credit (up to $100 every 4 years). I have tons of cards now with similar benefit, so I have gifted the credit to friends. They just use my card to pay the application fee and it credits back automatically.

Intercontinental Boston

The card is worth getting, in my opinion. And it’s worth keeping for the annual free night and for the 4th night free on IHG Rewards Club free night redemptions. But I wouldn’t use it for everyday spending.

Bottom-line is that the card has a good bonus — that many of you can actually get — with a low spend requirement, and once you have the card it’s worth keeping but not using.

IHG® Rewards Club Premier Credit Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. I have the existing card. I have one more night with the no restriction benefit. It’s been more than 24 months since I got this card. I’ve got about 8 chase cards right now and am way over 5/24. What do you think my chances are of dropping old card and enrolling in the new one? Any data points yet?

  2. Got this card last week. Have been trying to use the 4th night free benefit the last few days, but not able too. Guess my IHG account must sync w the new card – nobody else had IHG has been able to help.

  3. Had this card since July ’16 and had a great time w/ free anniversary night. Are you saying that I can apply for the new card with the bonus, meaning 2 cards and 2 free nights? Also I’m way over the 5/25 for now.

  4. Question raised by this article. If spouses own 2 old IHG cards and get 2 new IHG cards. Then use 4 certs for free nights, how does IHG handle the 4th night free?

  5. “That’s better than the ‘5th night free’ from Starwood and from Hilton, and amounts to a 25% discount on four night award stays”

    That’s a 20% discount. 1/5.

    Click Bait Moron.

  6. Theres a better signup offer if you go thru the IHG website and make a dummy booking, you’ll get an offer for the 80000 points AND $50 Statement credit. I have tried on two different computers and I got the same message. Not sure if it is targeted though….YMMV.

  7. @Justin_Girl you either aren’t good at reading comprehension or math. We know you aren’t good at civility.

    4th night free on a four night award means you pay only 75% of the points for a four night award, it’s a 25% discount.

    1/5 is what you get from Starwood.

    Apology accepted.

  8. Of course 80k points standing alone are reason enough to get a new card. But the card is clearly inferior to the old one which was $40 per year cheaper, and came with a free night at any hotel, plus 10% rebate on awards. Those who redeem for short stays will find the rebate more useful than 4th night free. IHG really missed the boat here – could have created a super premium product with Ambassador status targeting Ritz-type clients.

  9. @ Justin_Girl
    Next time make sure you’re right before popping off something snarky. I would suggest maybe buying a calculator to help you with those super complicated math problems like 1 divided by 4.

  10. The missing piece here is [your #6], can I get the sign-up bonus for Premier if I currently have the old IHG card? Not a deal-breaker ’cause I think either way a husband/wife team, each with the old card, needs to get the Premier for one partner. We just did 4 nights, three at 55k points each, one an anniversary free night. The Premier 4th night free would have been the same result — it’s 4th night free for points stays — and we’d still have a 40k free night available. I know the stuff that’s available at 40k isn’t great, but it’s worth more than $89.

  11. I recently signed up for the IHG MasterCard largely because of the free anniversary night at any IHG property reward. Then shortly after getting the card, I get a letter saying that has now changed to a free night at select properties with a redemption value up to 40,000 points. Bummer! I like the IHG program, but for me it is still secondary to Marriott.

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