IHG Card’s Best-Ever Offer: 125,000 Points and Monster Earning for a Year

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IHG® Rewards Club Premier Credit Card

Early in the year Chase had an initial offer of 120,000 points with an IHG credit card. That was really impressive — the standard offer used to be 60,000 and we’d get excited when it bumped up to 80,000.

At the beginning of the year though they came out with a 120,000 point offer and that blew out the doors, but that offer has been gone for several months.

Now Chase has done two things. First, a best-ever points offer for the IHG® Rewards Club Premier Credit Card to earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

And second they’ve added an additional piece to the offer. For the first 12 months you have the card you earn really generously for your spend:

  • For the first 12 months this card will earn 25 points per dollar at IHG hotel properties. That strikes me as much stronger earn than any other card at any other hotel chain.
  • And for the first 12 months it will earn 4 points per dollar on all other spend which makes the card worth using.

After that the IHG® Rewards Club Premier Credit Card reverts to its normal 10 points per dollar at IHG, 2 points at gas stations, grocery stores, and restaurants, and 1 point everywhere else.

Intercontinental Kuala Lumpur

The card comes with:

  • Platinum status
  • A free night after each account anniversary year at eligible IHG hotels worldwide.
  • A free reward night on points stays of 4 or more nights. That’s better than the ‘5th night free’ from other chains, and amounts to a 25% discount on four night award stays.
  • Global Entry or TSA Precheck fee credit (up to $100 every 4 years) as well.

IHG Rewards Club Bonus points can be used for stays at InterContinental, Crowne Plaza, Kimpton, Holiday Inn, Indigo and related brands.

Intercontinental Boston

The card is worth getting for the initial bonus. It’s worth keeping for 4th night free on points redemptions and the annual free night which is worth well more than the card’s $89 annual fee.

Anecdotally my sense is that this is one of the easiest Chase travel rewards cards to be approved for, although it now appears to be subject to 5/24 so if you have fewer than 5 new cards opened in the last 24 months definitely consider this one.

Notably you are eligible for this card even if you have the old version of the IHG credit card. And it’s really valuable to get this one even if you have the older one, since the fourth night free when redeeming award nights with this card is stackable with the 10% rebate on award redemptions from the legacy product.

IHG® Rewards Club Premier Credit Card

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. How does the 4th night free benefit work? Is it a rebate, post-stay, like the 10% on the old card? Does it work retroactively? As in, if I get the card today but booked a 4 night points stay last week for next month, am I still eligible for the 4th night free?

  2. Damnit I have to wait until November 1 of this year until I’m under Chase 5/24 and I was looking forward to the CSP or CSR. This is a decent offer for the first year though, but Chase 5/24 will have to sit this one out.

  3. A couple of years ago this would have been a very good deal but there are now a lot of 70k per night hotels and even some 100k based on recent reports. I wonder if an impending further devaluation of points is in the works. They have basically gutted the program and I don’t think they would be too proud to further devalue it.

  4. You would have to be insane to get this card. There are so many better cards out there and Gary knows this as exemplified ied by the 9-14 reasons he LOVES other Chase credit cards.

  5. don’t fall for this!

    I have this card for 7 years now and i have gotten zero benefit for being platinum at any IHG hotels. not even room upgrade or late check out. Also the point is so bad that most hotels with standardroom that has cash rate of $89 a night cost 50,000 points a night or more. Will be canceling during my renewal.

  6. The 4th night free benefit is what makes this card worth it.I have used this many times this year.

  7. In reply to the first comment, from Mike, regarding the 4th night free, using points: If you book a hotel, with points, for four consecutive days, you will get back one nights points–the catch is that you actually have to have four nights worth of points in your account to book all four nights, but then IHG will put back one nights into your account.

  8. @Mike

    No the 4th free is not retroactive. I had the old card and took an upgrade to this card as my spouse had the old card. I booked 4 nights at a hotel in Japan. I fully expected that my new card’s offers would be honored. Big hell no! This is what the bastards did! I received NO 10% rebate of points and NO 4th rebate of points. The nasty people at their Philippines call center, had the nerve to tell me that when the reservation was made, that I had the old card. I no longer have that card, so no rebate of points. Furthermore, since I didn’t have the new card, when the reservation was made, I would receive NO points back for the 4th night.

    I have had many enjoyable stays at IHG properties. The hotel employees are friendly and professional! But after this, IHG as a company can go rot in hell. They will get an absolute minimum of business from me! I will keep the card for the free night, until they raise the annual fee, and then close the account after that.

  9. I’m under 5/24 but my concern is: is there a risk if I apply for this card that they will shut down all my accounts like what happened to some people? I don’t MS or do anything other than normal spend on all of my Chase cards.

  10. I just booked Holiday Inn at the Edmonton airport for 15,000 points. I have stayed there before and always got upgraded. There is a guest lounge for Platinum, with snacks and drinks. Seems like good value.
    Have also used them this year in Houston, San Diego, Marseilles and Fort Myers, saving me a ton of money.
    Wish I wasn’t over the 5/24 as this is a great deal.

  11. @gary I currently have the IHG Rewards Club MasterCard. Does this new card replace that card, or is it in addition to that card. I assume that keeping both cards would result in two yearly fees, but will both cards still earn the free night?

  12. Gary:
    Let’s see if I get this right. I have an existing IHG rewards card. $49 annual fee, free night on anniversary, 10% rebate on point redemption.
    If I get this new IHG card in addition to my existing card, would I get:
    2 free nights each year, one for each card paying both the $49 and $89 annual fee?
    A 10% rebate on all stays redeeming points, PLUS a free night if I redeem a stay for 4 or more nights?
    With all the IHG Priority Club IT screw ups over the years, do you really expect IHG (or Chase) to manage this correctly?
    Steve T.

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