IHG Rewards Club

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welcome offer

Earn 140,000 points after $3,000 spent within the first 3 months.

Bonus Cash Value

Approximately $700*

Annual Fee

$89 (waived 1st year)

Card Rewards

Total of 25 points at IHG

2 points on gas, grocery, and dining

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The IHG Rewards Club is explicitly superb for IHG members, who will earn 25 points per dollar spent at IHG. This card is good for everyday spending too, earning 2 points on gas, dining, and grocery.

Card-Smart Tips & Advice
  • Good credit needed
  • This card is under the Chase 5/24 rule
  • This credit card is not available to either current cardholders of this credit card, or previous cardholders who received a new bonus for this credit card within the last 24 months
  • You can only get approved for up to 2 Chase Credit Cards in 30 days (Business Card and Personal cards are counted separately)
  • You can receive the welcome offer as long as you did not receive the welcome offer on the IHG Rewards Club card within the past 24 months and you do not currently have the IHG Rewards Card
  • Chase will usually pull your Experian Credit report
  • You can check your application status at Chase.com / Customer Service / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
Welcome Offer Eligibility
The IHG Rewards Club card is not available to either current cardmembers of the IHG Rewards Club credit card, or previous cardmembers of the IHG Rewards Clubcredit card who received a welcome bonus for IHG Rewards Club credit card within the last 24 months.
Card Details And Benefits
  • Earn a complimentary free night certificate each account anniversary year
  • Automatic Platinum Elite Status
  • Fourth night free when you redeem points for any stay of 4 or more nights
  • Earn 10,000 bonus points after $20,000 spent on purchases and make 1 additional purchase each account anniversary year
  • Earn 20% off when you purchase points with your card
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Cell Phone Protection
  • Purchase Protection

Compare Cards

CardIHG Rewards Club Traveler CardIHG Rewards Club
Welcome BonusEarn 100,000 points after $2,000 spent within the first 3 months.Earn 140,000 points after $3,000 spent within the first 3 months.
Annual Fee089
Rewards- Total of 15 points total on IHG hotels and resorts worldwide - 2 points on gas, groceries, and restaurants - 1 point everywhere else- Total of 25 points at IHG - 2 points on gas, grocery, and dining - 1 point everywhere else
Upgraded StatusEarn IHG Gold Elite status after $10,000 spent every yearGet complimentary upgraded to IHG Platinum Elite Status
Free Night CertificateEarn a complimentary free night certificate each account anniversary year.
Extra Redemption ValueSave 20% on IHG points purchased with this card. Plus Receive your fourth night free when you redeem your points for four or more nightsSave 20% on IHG points purchased with this card. Plus Receive your fourth night free when you redeem your points for four or more nights
Global Entry and TSA pre-checkReceive a $100 statement credit for Global Entry or TSA Pre-Check once every 4 years.
No Foreign Transaction FeeNoneNone
Trip Cancellation InsuranceUp to $5,000 per person per trip for a max of $20,000 per year to reimburse non-refundable travel expensesUp to $5,000 per person per trip for a max of $20,000 per year to reimburse non-refundable travel expenses
Auto Rental Collision InsuranceSecondary worldwide coverage on rentals for up to 31 daysSecondary worldwide coverage on rentals for up to 31 days
Travel Accident InsuranceGet coverage If you god forbid die in an accident on a Common Carrier or while traveling lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.Get coverage If you god forbid die in an accident on a Common Carrier or while traveling lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.
Lost Luggage ReimbursementReceive up to $3,000 per person for lost or damaged luggage Receive up to $3,000 per person for lost or damaged luggage
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less.
Cell Phone ProtectionGet reimbursed for up to $800 per claim with a $50 deductible if your cell phone breaks or is stolen. To activate coverage you need to pay your monthly cell phone bill with your credit card. (max $1,000 or two claims per year, whichever is less).Get reimbursed for up to $800 per claim with a $50 deductible if your cell phone breaks or is stolen. To activate coverage you need to pay your monthly cell phone bill with your credit card. (max $1,000 or two claims per year, whichever is less).
Purchase ProtectionGet refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $500 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $500 per claim ($50,000 per year)
Authorized User Fee$0$0
Luggage Delay InsurenceIf your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.
Anniversary Bonus PointsEarn 10,000 bonus points after $20,000 spent on purchases and make 1 additional purchase each account anniversary year

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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