IHG Rewards Club


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.


IHG Rewards Club

Welcome Offer

Earn 140,000 points after you spend $3,000 in the first 3 months after account opening

Bonus Value

Approximately $560

Annual Fee

$89

Application Tips

  • Good credit
  • 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 two Chase Credit Cards in 30 days. (Business Card and Personal cards are counted separate).
  • Chase will usually pull your Experian Credit report
  • If declined you can call 1-800-453-9719 to be reconsidered.

Card Details And Benefits

  • 25 points total per $1 spent at IHG.
  • 2 points per $1 spent on Gas, Grocery, and dining.
  • 1 point per $1 spent everywhere else
  • 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 you spend $20,000 on purchases and make one additional purchase each account anniversary year.
  • Save 20% when you purchase points with your Card
  • Global Entry or TSA Precheck fee credit
  • No Foreign Transaction Fees
  • Auto Rental Collision Insurance
  • Take 5 rides in a 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). 
  • Free 2-day shipping and free return shipping at 140+ online retailers, including Saks Fifth Avenue, Brooks Brothers, Kate Spade, Newegg, 1-800-Flowers and more. (ShopRunner)
  • Mastercard ID Theft Protection
  • Purchase Protection
  • Extended Warranty Protection

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 CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.