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With greater than 5,000 properties across the globe, the Worldwide Lodge Group (IHG) has a lodge or resort for everybody, regardless of why or the place you’re touring.
For those who’re already incomes factors as an IHG Rewards Membership Member, the IHG Chase bank card choices solely sweeten the deal. Whichever possibility you select, purchases at IHG motels and resorts earn you factors each out of your bank card program and out of your Rewards Membership membership — which means your factors add up extra rapidly without spending a dime lodge stays.
Plus, you possibly can earn further factors on partnered eating places, in addition to gasoline and grocery bills.
Bankrate’s picks for the Finest IHG Credit score Playing cards
Selecting the very best IHG bank card for you
Do you wish to pay an annual price?
Whether or not or not you wish to pay for the cardboard will after all come right down to how you plan to make use of the advantages. Whereas the Premier card’s annual price greater than pays for itself in advantages, not everybody needs the upfront value. The Traveler card doesn’t have an annual price, but it surely additionally has fewer perks.
Are you able to moderately use the entire factors you earn?
The Premier card provides a whole lot of alternatives to earn further factors. On prime of your base factors, you possibly can earn a 125,000 level bonus for spending $three,000 in your first three months, and also you’ll additionally earn an additional 50 p.c on prime of base factors as a Platinum Elite member. However in the event you’re not touring steadily, or don’t frequently stick with IHG manufacturers, all these further factors will not be worthwhile.
Do you care about Elite standing?
The automated Platinum Elite standing with the Premier card is a reasonably candy deal, however not in the event you don’t care about the advantages. If room upgrades, TSA Precheck credit and further factors don’t make a distinction to you, the Traveler card could also be a greater match.
IHG Rewards Membership Traveler Credit score Card
The IHG Rewards Membership Traveler Credit score Card is a no-annual-fee card that earns factors towards IHG lodge stays. As a Traveler cardholder, you’ll earn 15 factors per $1 spent at IHG motels and resorts. This breaks down as:
- 5X factors for utilizing your IHG Premier card
- 10X factors to your IHG Rewards Membership membership
Moreover, you possibly can qualify for a 75,000-point sign-up bonus if you spend $2,000 inside three months. It additionally provides you a leg up on reaching Rewards Membership statuses by making use of bank card factors to your Rewards Membership stability, in addition to permitting for simpler enrollment within the Elite Gold tier after spending $10,000 in a yr (as a substitute of a minimal factors threshold).
Why it’s the very best card for no annual price journey rewards
Who doesn’t like free issues? The Traveler card provides perks that stack onto your IHG Reward Membership advantages at no further value. This makes it an awesome match for anybody who travels considerably steadily with IHG and needs a lift to their factors.
Plus, in the event you do find yourself spending closely in your card in a given yr, you’ll get simpler entry to Gold Elite standing, incomes you perks like complimentary Wi-Fi, late checkout throughout IHG stays and no blackout dates for rewards nights.
IHG Rewards Membership Premier Credit score Card
The IHG Premier card provides tons of alternatives to earn factors on purchases and a slew of advantages with computerized Platinum Elite standing. You’ll earn 25 factors per $1 spent at IHG motels and resorts. Right here’s the breakdown of these factors:
- 10X factors for utilizing your IHG Premier card
- 10X factors to your IHG Rewards Membership membership
- 5X factors to your Platinum Elite standing
As a brand new cardholder, you possibly can earn 125,000 factors for spending $three,000 inside three months. Relying in your journey preferences, the entire bonus factors might cowl a free multi-night keep very quickly.
Why it’s the very best card for journey bonuses
Regardless that the Premier Card comes with an $89 annual price, the price pays for itself virtually instantly. Anybody who’s a frequent IHG buyer can earn again the annual price with the anniversary reward evening alone.
Plus, with the mechanically awarded Platinum Elite standing, you’re eligible for a credit score of as much as $100 each 4 years for the price of World Entry or TSA Precheck if you cost the price to your card. Different added advantages embrace a devoted customer support line only for Premier Elite members and complimentary room upgrades so you possibly can all the time keep in the very best accessible lodging. Plus, you’ll be exempt from blackout dates.
How a lot are IHG factors value?
IHG factors don’t have a one-to-one worth in U.S. . As a substitute, lodge stays are assigned a degree worth for redemption, which may rely upon the time of yr, geographic location or property. If you’re able to redeem rewards nights, you’ll discover the factors worth with every accessible property and room sort. That being stated, in accordance with The Factors Man’s estimations, factors usually common out to a price of zero.5 cents every.
Finest methods to redeem IHG factors
Maximize your factors
Whether or not you’ve the Traveler or Premier card, it’s a good suggestion to guide 4 nights in a row to take advantage of the fourth-night free profit.
Benefit from reductions
You may mix factors and money to pay for stays, however there’s one other choice to pay in factors. Each bank cards provide cardholders the possibility to buy further factors at a minimal 20 p.c low cost. Even when it’s important to pay money, you possibly can find yourself saving with this low cost.
Options for IHG vacationers
Relying in your journey habits, an IHG bank card will not be the very best wager for you. For instance, in the event you discover that your flights usually value you greater than your lodge stays, chances are you’ll wish to prioritize a bank card that gives broader journey advantages.
Flexibility in the way you spend your factors is a good way to take advantage of your rewards bank card advantages. In truth, many common journey rewards playing cards can be utilized for any travel-related bills, together with motels, flights and floor transportation. Because of this even with out an IHG particular card, you can nonetheless cowl IHG stays with factors.
Backside line
Selecting the best IHG bank card could make all of the distinction to your future stays. Whether or not you simply want a slight and easy increase to your factors for an annual trip otherwise you’re a frequent IHG traveler, simpler journey and attractive reductions might be inside attain with an IHG Chase bank card.
Details about the IHG Rewards Membership Traveler Credit score Card and IHG Rewards Membership Premier Credit score Card has been collected independently by Bankrate.com. The issuer didn’t present the content material, neither is it accountable for its accuracy.
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