5 Non-Obvious Things to Know About the New IHG Credit Card

I receive compensation for content and many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

Last month Chase launched the brand new IHG® Rewards Club Premier Credit Card, a premium card for the IHG Rewards Club program which includes Intercontinental, Crowne Plaza, Kimpton, Holiday Inn and related brands.

The card’s initial bonus offer 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.

The card comes with Platinum status, a free night after each account anniversary year, and a 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.)

Intercontinental Singapore

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 (rather than just making a reservation within 12 months of issue).

You also get 20% off purchasing IHG Rewards Club points and a statement credit for TSA PreCheck or Global Entry every four years. That’s strong value on an $89 annual fee card.

That’s great — lots of readers are being approved for this card, perhaps it’s a relatively easy approval compared to some rewards cards, and importantly “5/24” doesn’t apply meaning Chase won’t disqualify you just because you’ve signed up for 5 or more new cards in the last 24 months.

But there are several important questions we now know the answer to since the card launched.

  • It’s a new and separate 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.

  • Fourth night free on awards is calculated at time of booking. You only need enough points in your account to book three nights and you can book a four night reward.

  • If you have both IHG cards you can stack 4th night free with 10% rebate. So a four night reward only has a net cost of 90% of what a three night reward would cost. That’s only available to people who have the old legacy card that comes with the 10% rebate and who get this new card that offers 4th night free.

  • You can have more than one annual free night certificate if you have more than one card. So folks with the legacy card who get this card too earn two free night certificates each year. If you and a travel companion both have that, it’s four free nights.

  • The 20% discount on purchased points only works off full price. You don’t get 20% off in conjunction with sales on points that IHG runs. (HT: One Mile at a Time)

Intercontinental Kuala Lumpur

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 »

More articles by Gary Leff »

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 am going to all this new card good on its own and super in conjunction with the old IHG card even with the limitation on max points for the free anniversary night. Basically the card allows you to buy 40k points for $0.002 a point each year with extra bonuses. Not as good as the old card but not bad either.

  2. I’m assuming the 20% only applies to buying points directly and not as a result of buy points for P+C. If that is the case it really is essentially useless. I find with a 100% bonus the cost of points matches the paid rate (at least for the IC’s I’ve looked at). So even then it’s not really worth it unless it’s to compliment the points you already have (i.e. you have 50k and need 60k)

  3. Fourth Reward Night Free when you redeem points for any stay of 4 or more nights. This is actually better than SPG/Marriott 5th free night. I pulled up some rates for IHG properties last night and this 4th night discount is already built into my account. When you parlay this card with the old IHG card and the Ambassador status on room redemption of 4 or more nights, you can get up to 45% discount.

    @Hin, I believe @Gary syas above: “The 20% discount on purchased points only works off full price. You don’t get 20% off in conjunction with sales on points that IHG runs. (HT: One Mile at a Time)” which is disappointing!

  4. How Do I get the 10% off on single reward night bookings? I booked a 4 night stay and it gave me the 4th night free. I have both cards.. So you’re saying after my single night reward bookings I’ll get the 10% back automatically as before? How do you know that?

  5. Chase automatically sent me a new IHG rewards club Premier card and charged me $89 for annual renewal. How do I keep both cards?

Leave a Reply

Your email address will not be published. Required fields are marked *