IHG Rewards Club

welcome offer

Earn 125,000 points after $3,000 spent within the first 3 months.

Bonus Cash Value

Approximately $625*

Annual Fee

$89

Card Rewards

Earn 25 points total per $1 spent at IHG

Earn 2 points per $1 spent on gas, grocery, and dining

Earn 1 point per $1 spent 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
Card Details And Benefits
  • Anniversary free night
  • 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
  • Take 5 rides in 1 month and get a $10 Lyft credit once per month
  • Earn 5% cash rewards on boxed orders for use on future purchases
  • $5 off every purchase of $25 or more (not including delivery fees, tips, and taxes) at Postmates
  • Free 2 day shipping and free return shipping at 140+ online retailers, including Saks Fifth Avenue, Brooks Brothers, Kate Spade, Newegg, 1800Flowers and more (ShopRunner)
  • Mastercard ID theft protection
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Covid-19 Temporary Benefits

  • Earn 3 points per dollar on groceries on up to $1,500 each calendar quarter from 04/01/20- 06/30/20

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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.