7 Reasons You’ll Want the New IHG Credit Card

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IHG® Rewards Club Premier Credit Card

The 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. @ Gary — The signup bonus is 80,000, not 85,000. NEVER add the authorized user under these offers. It is not worth your time for $23 more IHG points. More importantly, adding the authorized user eats into the 5/24 count of said authorized user.

  2. @ Gene – Good point but you can also add your goldfish, dog, cat, etc. as your AU and still get the 5K without affecting someone’s 5/24 status.

  3. Chad is right. I always add fake AU’s. Easy points and nobody’s 5/24 count is damaged. Yes it’s unethical but so are banks. So I have no problem sleeping at night.

  4. Plus 10 points on IHG purchases. Including when you book and cancel (lets say $115 for 20K) you get 10 points (1,150) on the cancelled booking.

  5. You can also add your children under 18 years old — before they are eligible to get credit cards on their own– as authorized users.

  6. My only interest in this card was using the free anniversary night for a high-end hotel stay, preferably a Kimpton. That fearure is now gone, & the best redemptions at 40k are not US properties.

    For a $14 less AF, I prefer the Hyatt card for the same restricted anniv night benefit. Although it doesn’t offer the 4th night free, I am hard pressed to pay-out-of-pocket for IHG properties anyway, & the earning structure with cc spend is not attractive for point earning, either (as pointed out)! The 80k bonus only just covers 1 night at a high-end 70k/night property.

    Definite pass for me.

  7. The 4th night free sounds great, but what would make anyone trust IHG/Chase to honor it?

    When they tried to pull a fast one a few months back and not honor the unrestricted annual free night, they lost my trust & loyalty.

    Unless there has been a management change, I expect them to try again to cutback; what’s an IHG promise worth these days?

  8. If I have this card and the Old chase card, will I get the 4th night free, or the 10% back in points on the redemption. How will they know which one applies? Can I get both?

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