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Chase IHG One Rewards Portfolio Guide

Chase IHG Credit Cards
In-depth comparison and card guide

Explore the no-annual-fee IHG One Rewards, the popular IHG One Rewards Premier, and the newly launched premium IHG One Rewards Premier Select with its first-of-its-kind 60K free-night award. Compare annual fees, welcome offers, free-night awards, elite status, fourth-night-free rewards, and earning rates.

Explore 3 cardsFull comparison table30-second card guideFAQs

PORTFOLIO OVERVIEW

Highlights of 3 IHG cards

Swipe or select a card to explore welcome offers, free-night awards, and combined benefit illustrations.

Entry-level · No annual fee

IHG One Rewards Credit Card (no annual fee)

Annual fee
$0No annual fee
Current welcome offerAbout $625 in value

New limited-time bonus: 125,000 points

Spending requirement: Spend $2,000 within the first 3 months

Annual free-night award: No annual free-night award
Fourth-night-free benefit: Fourth night free (no threshold through 2026/12/31; $5,000 in eligible calendar-year spending required from 2027)
Annual credits and allowances: No annual credits

No dedicated hotel or airline credits

Hotel elite status: IHG Silver Elite

20% bonus points on stays; points do not expire

Annual elite night credits (ENC): 5 elite night credits (ENC) annually
Rental and travel protections: Trip cancellation/interruption up to $10,000; baggage delay $100/day; lost baggage up to $3,000; secondary rental CDW
Core earning rates:
  • 5XEligible purchases at participating IHG hotels
  • 3XRestaurants, groceries, and gas
  • 2XAll other eligible everyday purchases
View full card details and charts (Chinese)Open official application
New launch · Premium travel flagship

IHG One Rewards Premier Select Credit Card

Annual fee
$350High-value benefits may offset the annual fee
Current welcome offerAbout $1,000 in value

New-launch limited-time offer: 200,000 points

Spending requirement: Spend $5,000 within the first 3 months (limited-time offer through 2026/11/18)

Annual free-night award: 1 annual standard-room award worth up to 60,000 points starting after 12 months at renewal (first-of-its-kind 60K; unlimited top-off; a second after $40k annual spending)
Fourth-night-free benefit: Fourth night free on 4 consecutive nights booked fully with points (no annual spending threshold)
Annual credits and allowances: Up to $550 in combined annual benefits and credits

$75 quarterly IHG dining rewards ($300 annually) + $200 airline credit on a ticket purchase of at least $250 + $50 annual United TravelBank

Hotel elite status: IHG Platinum Elite

60% bonus points on stays and priority upgrades; $25,000 calendar-year spending earns Diamond status (complimentary breakfast for two)

Expedited-screening fee credit: Up to $120 for Global Entry / TSA PreCheck / NEXUS (once every 4 years)
Annual elite night credits (ENC): 20 elite night credits (ENC) annually; 2 more per $5,000 spent
Rental and travel protections: Trip cancellation/interruption up to $10,000; baggage delay $100/day; lost baggage up to $3,000; secondary rental CDW
Core earning rates:
  • 12XEligible purchases at participating IHG hotels
  • 6XWorldwide restaurants and eligible travel purchases
  • 3XAll other eligible everyday purchases
View full card details and charts (Chinese)Open official application

HEAD-TO-HEAD SPECIFICATIONS

Detailed comparison matrix

Compare annual fees, welcome rewards, free-night awards, fourth-night-free rewards, elite status, and travel protections across 3 Chase IHG cards.

FeatureIHG One Rewards (no annual fee)IHG One Rewards Premier ($150 popular)IHG One Rewards Premier Select ($350 flagship)
Annual fee$0 (no annual fee)$150 ($150 annual fee for new applications (existing accounts follow their notice))$350 (High-value benefits may offset the annual fee)
Current welcome offerNew limited-time bonus: 125,000 points
Limited-time bonus offer		New limited-time bonus: 180,000 points
Limited-time bonus offer		New-launch limited-time offer: 200,000 points
New-launch limited-time offer
Combined welcome valuationAbout $625 in value (at 0.5¢ per point; up to $837 with fourth-night-free)About $900 in value (at 0.5¢ per point; up to $1,206 with fourth-night-free)About $1,000 in value (at 0.5¢ per point; up to $1,340 with fourth-night-free)
Welcome-offer spending requirementSpend $2,000 within the first 3 monthsSpend $3,000 within the first 3 months (limited-time offer through 2026/11/18)Spend $5,000 within the first 3 months (limited-time offer through 2026/11/18)
24-month welcome-offer restrictionSubject to the personal IHG 24-month exclusion (current cardholders or bonus recipients within 24 months are ineligible)Subject to the personal IHG 24-month exclusion (current cardholders or bonus recipients within 24 months are ineligible)Excludes current holders of this card or recipients of this card's bonus within 24 months (subject to actual approval)
Annual renewal free-night award (FN)No annual free-night award1 standard-room award worth up to 50,000 points annually
(issued at renewal anniversary; unlimited points top-off)		1 standard-room award worth up to 60,000 points annually
(first-of-its-kind 60K award; top-off allowed; a second award after $40k annual spending)
Free-night award top-off limitNot applicableUnlimited points top-off
Pay the points difference for any eligible standard room		Unlimited points top-off
Pay the points difference for premium InterContinental and Regent hotels
Fourth-night-free points redemptionsFourth night free
No threshold through 2026/12/31; $5,000 in eligible calendar-year spending required from 2027		Fourth night free without a spending threshold
Every fourth night costs 0 points on 4 consecutive nights paid fully with points; no annual spending threshold		Fourth night free without a spending threshold
Every fourth night costs 0 points on 4 consecutive nights paid fully with points; no annual spending threshold
Annual hotel food and beverage rewardsNoneUp to $100 annually
$25 per calendar quarter toward eligible room-billed dining during a participating hotel stay		Up to $300 annually
$75 per calendar quarter toward eligible room-billed dining during a participating hotel stay
Annual airline statement creditNone$100 annual airline credit
One automatic credit for a single ticket purchase of at least $250 directly from an airline		$200 annual airline credit
One automatic credit for a single ticket purchase of at least $250 directly from an airline
United TravelBank cashNoneUp to $50 annually
$25 every half-year after linking a United account, toward eligible tickets		Up to $50 annually
$25 every half-year after linking a United account, toward eligible tickets
Hotel elite statusIHG Silver Elite
20% bonus points; points do not expire		IHG Gold Elite
40% bonus points; Platinum after $15k annual spending, Diamond after $40k		IHG Platinum Elite
60% bonus points and room upgrades; Diamond after $25k annual spending (complimentary breakfast for two)
Annual elite night credits (ENC)5 nights / year
(posted at account opening and by 2/1 each calendar year)		15 nights / year
2 additional nights per $5,000 spent, toward the 40-night lounge milestone		20 nights / year
2 additional nights per $5,000 spent, toward the 40-night lounge milestone
Expedited-screening fee creditNoneUp to $120 credit
Once every 4 years for Global Entry / TSA PreCheck / NEXUS		Up to $120 credit
Once every 4 years for Global Entry / TSA PreCheck / NEXUS
Earning at IHG hotels5X card points
(up to 17X including membership and elite bonuses)		10X card points
(up to 24X including membership and elite bonuses)		12X card points
(up to 28X including membership and Platinum bonuses)
Bonus everyday earningRestaurants, groceries, and gas 3XRestaurants, groceries, gas, direct airline purchases, and car rentals 5X
(other travel earns 5X through 2026/12/31)		Worldwide restaurants and eligible travel 6X
All other everyday purchases2X points (unlimited)3X points (unlimited)3X points (unlimited)
Trip cancellation and baggage-delay coverageTrip cancellation up to $10,000
Baggage delay $100/day (up to 3 days); lost baggage up to $3,000		Trip cancellation up to $10,000
Baggage delay $100/day (up to 3 days); lost baggage up to $3,000		Trip cancellation up to $10,000
Baggage delay $100/day (up to 3 days); lost baggage up to $3,000
Auto Rental Collision Damage Waiver (CDW)Eligible secondary CDWEligible secondary CDWEligible secondary CDW
Foreign transaction fee (FTF)0% (no foreign transaction fee)0% (no foreign transaction fee)0% (no foreign transaction fee)
Suggested credit profileGood – Exc. (670+)Good – Exc. (690+)Good – Exc. (720+)

* Valuation and benefit notes: points are conservatively valued at 0.5¢ each; fourth-night-free rewards or popular luxury-hotel redemptions may increase value to 0.67¢–0.8¢ or more. Welcome rewards require the spending threshold within the first 3 months. Annual free-night awards start at the first renewal anniversary. Dining rewards, airline credits, and TravelBank each have eligibility conditions and expiry dates; they are not guaranteed cash earnings.

DECISION FRAMEWORK

30-second guide: which card fits you?

Consider your annual IHG stay frequency, annual-fee budget, free-night needs, and elite-status preferences.

Entry-level leisure · No annual fee$0 annual fee
IHG One Rewards Credit Card

IHG One Rewards Credit Card

For leisure travelers who prefer no annual fee, IHG points, Silver Elite status, and entry-level benefits.

Welcome valuationAbout $625 in value
Fourth night freeNo threshold before 2026 ends
Foreign transactions0% FTF

Consider this card if:

  • No annual holding fee: No annual fee and points that do not expire, making it an option for long-term credit building.
  • Limited-time welcome bonus: Spend $2,000 within the first 3 months to earn 125,000 points (about $625 in value).
  • Fourth-night-free rewards: Redeem fully with points for a fourth night free without a threshold through the end of 2026; $5,000 annual spending unlocks the benefit from 2027.
  • Bonus everyday earning: 3X points on groceries, dining, and gas; 5X on eligible IHG hotel purchases.
View IHG One Rewards details (Chinese)
Frequent-traveler favorite · Renewal value$150 annual fee (50K award + $250 combined benefits)
IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

For travelers staying at IHG at least 1–2 times annually who want a 50K annual free-night award, fourth-night-free rewards without a spending threshold, and airline and dining credits to offset the fee.

Welcome valuationAbout $900 in value
Annual free-night award50,000 points (top-off allowed)
Combined benefitsUp to $250 / year

Consider this card if:

  • Annual 50K free-night award: Receive a 50,000-point standard-room award at renewal, with unlimited points top-off for higher-category hotels; the source describes value above the annual fee.
  • No-threshold fourth night free: The fourth night is free on 4 consecutive standard-room nights booked fully with points, with no annual spending threshold.
  • Travel and dining credits: $25 quarterly IHG dining rewards ($100 annually) + $100 credit on a single airline ticket of at least $250 + $50 United TravelBank.
  • Gold status and screening credit: Gold Elite status plus up to $120 toward Global Entry / TSA PreCheck application fees every 4 years.
View IHG Premier review and details (Chinese)
New launch · Premium travel flagship$350 annual fee (60K award + $550 combined benefits)
IHG One Rewards Premier Select Credit Card

IHG One Rewards Premier Select

For premium travelers seeking Platinum privileges, the first-of-its-kind 60K free-night award, frequent airline and luxury-hotel bookings, and full use of $550 in combined benefits.

Welcome valuationAbout $1,000 in value
Annual free-night awardFirst-of-its-kind 60,000 points (top-off allowed)
Combined benefitsUp to $550 / year

Consider this card if:

  • First-of-its-kind 60K flagship award: Receive an award worth up to 60,000 points at renewal, with top-off for premium InterContinental and Regent stays; earn a second after $40,000 annual spending.
  • Up to $550 in combined credits: $75 quarterly IHG dining rewards ($300 annually) + $200 credit on a single airline ticket of at least $250 + $50 United TravelBank.
  • Included Platinum and a path to Diamond: Platinum Elite with room upgrades subject to availability; $25,000 annual spending earns Diamond status (complimentary breakfast for two).
  • Premium 28X / 6X earning: 12X card points at participating hotels (up to 28X with membership and Platinum bonuses); 6X on eligible worldwide dining and travel.
View Premier Select flagship review (Chinese)

FREQUENTLY ASKED QUESTIONS

Chase IHG card FAQs

This is a major focus for IHG frequent travelers. Chase card Elite Night Credits (ENC) count as Elite Qualifying Nights (EQN) in the IHG account, toward both elite status and Milestone Rewards:

1. ENC rules by card:
• No-annual-fee IHG One Rewards: 5 fixed ENC annually.
• Premier ($150 annual fee): 15 fixed ENC annually; 2 per $5,000 spent (unlimited); 5 additional nights after $15,000 calendar-year spending ($15k earns 15+6+5 = 26 nights).
• Premier Select ($350 flagship): 20 fixed ENC annually (even with 0 stays, this reaches the 20-night milestone); 2 per $5,000 spent; 5 additional nights after $15,000 calendar-year spending ($15k earns 20+6+5 = 31 nights).
• IHG Business: 15 fixed ENC annually.

2. Can multiple cards' nights stack?
• Media and issuer-representative confirmation: frequent-traveler outlets such as Frequent Miler and MilesTalk reportedly received confirmation from Chase representatives that fixed annual ENC from multiple eligible IHG cards can stack. Premier Select (20 nights) + Premier (15 nights) or Business (15 nights) would start with 35 EQN; holding all three could theoretically reach 50 EQN.
• Public-terms caveat: as of early 2026/10, some published Chase terms still retain earlier wording limiting a single account to 15 or 20 nights. Reports say Chase described this as old text pending correction; terms and systems are being aligned. Follow Chase and IHG announcements for actual posting.

3. Reaching the 40-night lounge milestone:
The 40-night milestone offers a choice of two rewards, including Annual Lounge Membership and a Confirmable Suite Upgrade. If stacking 35 nights from two cards works as described, only 5 actual nights are needed (35 + 5 = 40 nights) for more than a year of IHG lounge access, including snacks, afternoon tea, and Happy Hour.

Important: Diamond status earned through $25,000 Premier Select spending is a separate status benefit. EQN still accumulate from actual spending-generated nights (35 nights); it does not automatically unlock the 40/70-night Milestone Rewards. These are separate mechanisms.

With an IHG card, every fourth night costs 0 points on eligible standard-room bookings of at least 4 consecutive nights paid fully with points. When all four nights require the same number of points, this saves 25% of the total points. Actual savings depend on each night's points price.

• IHG One Rewards Premier and Premier Select: fourth-night-free rewards without an annual spending threshold.
• No-annual-fee IHG One Rewards: no threshold through 2026/12/31. From 2027/1/1, $5,000 in eligible spending each calendar year is required to unlock the remaining part of that year and the following calendar year (effective approximately 6–8 weeks after qualifying).

Yes. IHG awards allow unlimited points top-off.

• Premier: 1 annual standard-room award worth up to 50,000 points starting at renewal after 12 months.
• Premier Select: 1 annual standard-room award worth up to 60,000 points starting at renewal after 12 months (the first 60K award); a second 60,000-point award after $40,000 calendar-year spending.

For a luxury InterContinental or Regent stay costing 75,000 points, pay the points difference (25,000 with Premier or 15,000 with Premier Select), subject to reward standard-room availability.

The guide describes two main Chase rules:

1. 5/24 rule: 5 or more newly opened personal cards across issuers within the past 24 months can trigger automatic rejection of a new Chase application.
2. 24-month welcome-offer restriction:
• No-annual-fee IHG One Rewards and Premier: published terms exclude current holders of any personal IHG card and recipients of any personal IHG new-cardmember bonus within the past 24 months (business cards are not included in this restriction).
• New Premier Select: terms exclude current holders of this Premier Select card or recipients of this card's bonus within the past 24 months; they do not categorically exclude every earlier personal IHG card. Actual approval remains subject to Chase's overall credit review.

Compare your travel habits and annual-fee budget:

• Premier ($150 annual fee): a balanced option. $100 in annual hotel dining rewards, $100 airline credit, and $50 United TravelBank total up to $250 in benefits; the source illustrates value above the fee plus a 50K award and fourth-night-free rewards without a threshold, for travelers staying at IHG 1–2 times or more each year.
• Premier Select ($350 annual fee): a premium option. Up to $300 in annual dining rewards, $200 airline credit, and $50 United TravelBank total $550, plus a 60K award (a second after $40k annual spending), Platinum status, and Diamond after $25k spending (complimentary breakfast for two).

The source lists these rules:

• IHG Food & Beverage Rewards: issued by calendar quarter (Premier $25 quarterly, up to $100 annually; Premier Select $75 quarterly, up to $300 annually). Eligible dining must be charged to the primary cardholder's room folio during a participating IHG hotel stay for automatic or manual redemption. Rewards expire at quarter-end and do not roll over.
• Airline statement credit: once per calendar year, buy a single airline ticket of at least $250 directly from an airline; Premier receives $100 and Premier Select $200. The stated benefit deadline is 2027/12/31.
• United TravelBank: after linking the card to a MileagePlus account, receive $25 every half-year ($50 annually) toward eligible United tickets.

The guide compares the tiers as follows:

• Silver Elite (included with the no-annual-fee card): 20% bonus stay points, points that do not expire, and priority check-in.
• Gold Elite (included with Premier): 40% bonus points and late checkout subject to availability.
• Platinum Elite (included with Premier Select; Premier upgrades after $15k annual spending): 60% bonus points, room upgrades subject to availability (including higher floors or views), early check-in and late checkout, and a welcome amenity.
• Diamond Elite (after $25k annual Premier Select spending or $40k Premier spending): 100% bonus points, highest-priority upgrades (up to selected suites), and a welcome amenity choice of daily complimentary full breakfast for two; Annual Lounge Membership is an optional Milestone Reward.