After taking a month off from their limited-time offer spree, Chase and IHG are back with limited-time offers on the personal cards. Here are the best current offers on all of the IHG credit cards.
IHG One Rewards Traveler Credit Card welcome offer
Welcome offer: Earn up to 125,000 Bonus Points: Earn 90,000 bonus points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening for a total of 125,000 bonus points.
The headline number on this bonus is often advertised including points after spending a certain amount, plus an extra few points per dollar on spending up to a larger amount. Consider your opportunity cost of using this card when evaluating the bonus.
Annual fee: $0
IHG One Rewards Premier Credit Card welcome offer
Welcome offer: Earn 150,000 bonus points after spending $3,000 in the first 3 months from account opening. Plus, earn 35,000 bonus points after spending a total of $6,000 in the first 6 months from account opening for a total of 185,000 bonus points.
This bonus is earned as IHG bonus points.
Annual fee: $99
IHG One Rewards Premier Business Credit Card welcome offer
Welcome offer: Earn 140,000 Bonus Points after spending $4,000 in the first 3 months from account opening. That's up to 4 nights at 4,700+ out of all IHG Hotels & Resorts' Properties globally.
This bonus is earned as IHG Bonus Points.
Annual fee: $99
Quick take: Two-part bonuses are back to stay
Aaron Hurd
Executive Editor of Cards and Points
If you’re in the market for an IHG card, now is the time to get a card, but which one to get is the question.
If you’re looking to opportunistically pick up some points, go for the Traveler card, but if you stay at IHG properties frequently, go for the Premier card.
Personally, I don’t think that the marginal points you’ll get from the Premier’s sign-up bonus is worth it to pay the card’s annual fee… but if you actually book paid stays at IHG properties and want the other benefits of the card, that calculus flips pretty quickly.
It’s clear that Chase is moving to two-part bonuses on the IHG cards, where you earn part of the bonus for spending a certain amount within 3 months and then an additional bonus for continuing to use the card for spending.
Generally, I’m not a fan of these types of bonuses, but the 10-ish points per dollar that you’re going to get for the marginal $3,000 of spending on your new IHG card is definitely a better return than you’ll get for spending on non-category purchases on another card, so I guess I’m happy with that.
