IHG Rewards Program Guide: Maximizing Your Points and Benefits in 2024

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luxury brands like InterContinental and Kimpton, or family-friendly hotels like Holiday Inn and Staybridge Suites.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.Whether you enjoy staying at luxurious boutique hotels or prefer family-friendly brands, joining IHG Rewards Club is a no-brainer. Here's what you should know about the Intercontinental Hotels Group and its loyalty program, IHG Rewards. The Intercontinental Hotels Group has 19 hotel brands and operates more than 6,000 hotels worldwide, ranging from the eponymous InterContinental Hotels and Resorts and the luxurious Regent or Six Senses Resorts to the ubiquitous Holiday Inn and Staybridge Suites brands. IHG Rewards points are a valuable travel rewards currency if you know how to use them. Points can be redeemed for hotel stays, flights, activities, and a host of other travel-related purchases. It's well worth being a part of the IHG Rewards program, even if you don't stay with the chain very often. Enrollment is free, and members get perks such as complimentary Wi-Fi, no blackout dates, award nights that count toward elite status, a dedicated concierge, and members-only special rates.IHG members earn points on hotel stays, and can also accumulate IHG points with hotel co-branded credit cards, or from other credit cards that earn transferrable points. IHG has two main categories of points:You can generally earn base points by staying at IHG properties and by booking through IHG's various travel, dining, and shopping partners. Here's a look at some of the best ways to earn IHG points.Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and at restaurants. Earn 3 points per $1 spent on all other purchases.$99N/A20.74% - 27.74% VariableEarn 140,000 Bonus PointsGood to ExcellentIf you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling.Earn up to 17 total points per $1 spent when you stay at IHG Hotel & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and at restaurants. Earn 2 points per $1 spent on all other purchases.$0N/A20.74% - 27.74% VariableEarn 80,000 bonus pointsGood to ExcellentThe IHG One Rewards Traveler Credit Card is a decent option if you stay at IHG hotels occasionally and don't want to pay an annual fee. However, you'll get a much better deal with the annual-fee personal Chase IHG card, the IHG One Rewards Premier Credit Card.Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases$99N/A20.74% - 27.74% VariableEarn 140,000 bonus pointsGood to ExcellentWith valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It's got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.An easy way to accrue IHG Rewards points is by signing up for one of the hotel chain's co-branded credit cards. You can earn 140,000 bonus points after you spend $3,000 on purchases in the first three months from account opening with the IHG One Rewards Premier Credit Card. It's worth around $910 in stays, according to Business Insider's points and miles valuations.The annual fee is $99, but the card's travel benefits can more than offset the cost.Staying at IHG properties earns you up to 26x points, you'll earn 5x points on eligible travel, dining, and gas stations purchases, and 3x points on all other purchases. The card comes with automatic Platinum elite status, and offers a free anniversary night certificate each year, valid for use at any IHG hotel worldwide that costs up to 40,000 points per night — with the option to top up the certificate with points for more expensive hotels.With the card, you'll also get the fourth reward night free when you redeem three or more nights, a credit of up to $100 toward the Global Entry, TSA PreCheck®, or NEXUS application fee, up to $50 per year in United Travel Bank cash, 10,000 bonus IHG points and a $100 statement credit each account anniversary year you spend $20,000 on purchases (and make one additional purchase at least one day after you spend $20,000), and solid travel and purchase protections.Here's our IHG One Rewards Premier credit card review with all the details.The IHG One Rewards Traveler Credit Card offers a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening. Based on our valuations, that's worth around $520 in hotel stays.This card doesn't come with the bells and whistles of the IHG One Rewards Premier Credit Card; for example, you won't receive a free night certificate each year on your card anniversary. However, if you only stay with IHG occasionally or are completely against paying an annual fee, it's a decent option.Cardholders earn up to 17x points when they stay at IHG properties, plus 3x points on utilities, internet, cable, phone, select streaming services, dining, and gas, and 2x points on all other purchases. You'll also get a fourth reward night free when you redeem points for stays of at least three nights, Automatic IHG Silver elite status with an upgrade to Gold elite status after spending $20,000 on purchases in a calendar year and making one additional purchase, and 10,000 bonus points when you spend at least $10,000 and make one additional purchase with the card.Check out our IHG One Rewards Club Travel card review for a closer look at what this card has to offer.The IHG One Rewards Premier Business Credit Card offers a welcome bonus of 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening (worth around $910 according to our valuations).Cardholders earn up to 26x points at IHG hotels, 5x points on travel and at gas stations, dining, social media and search engine advertising, and at office supply stores, and 3 points per dollar on all other eligible purchases.The card comes with similar benefits to the personal IHG One Rewards Premier Credit Card, including an anniversary free night award worth up to 40,000 points. One additional perk is another free night award after spending $60,000 on purchases and making one additional purchase in a calendar year.Read our IHG One Rewards Premier Business credit card review to learn more.Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.$95N/A20.99% - 27.99% VariableEarn 60,000 bonus pointsGood to ExcellentIf you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. Earns 3x points on dining. Earn 2x points on travel. Earn 1x points on other purchases. Earn double points on the first of each month (excluding rent, up to 1,000 bonus points). Use the card 5 times each statement period to earn points. Also earn up to 5x points on Lyft rides when you link your Bilt account and pay with your Bilt card.$0N/ASee TermsN/AGood to ExcellentThe Bilt Mastercard® is the first credit card to offer up to 100,000 points in a calendar year rewards for paying rent without the transaction fee — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you're not a renter, you should consider other no-annual-fee rewards credit cards as well.If you prefer flexible rewards, a credit card that earn Chase Ultimate Rewards® points could be a better choice. IHG is one of Chase's dozen-plus Ultimate Rewards airline and hotel transfer partners, and you can move points to the program at a 1:1 ratio in 1,000-point increments. You can earn transferable Chase Ultimate Rewards points with the following cards:Keep in mind you can transfer points to any of the Chase cards mentioned above from no-annual-fee Chase cards like the Chase Freedom Unlimited®, Chase Freedom Flex® \n , Ink Business Unlimited® Credit Card, or Ink Business Cash® Credit Card, then move them to IHG at the same 1:1 ratio.The Bilt Rewards program partners with over a dozen airline and hotel loyalty programs, including IHG. You can transfer Bilt Points to IHG at a 1:1 ratio, and occasionally there are transfer bonuses.The easiest way to earn Bilt Points is with the Bilt Mastercard®, which earns 1 point per dollar on rent payments (with no transaction fee) on up to $100,000 in rent payments every year, 2 points per dollar on travel booked directly with airlines, hotels, car rentals, or cruise lines, 3 points per dollar on dining (including food delivery services like Uber Eats and GrubHub), and 1 point per dollar on other purchases. Note you must make at least five purchases on the card each billing cycle to be eligible to earn rewards.Here's our Bilt Mastercard card review with more information, including details about the monthly Bilt Rent Day promotion. How much are IHG Rewards points worth? Business Insider values IHG points is 0.65 cents each, on average, putting them near the middle of the pack among hotel program point values.As an IHG Rewards Club member, you'll earn 10 points per dollar for paid stays at most IHG brands (except Staybridge Suites and Candlewood Suites, which earn 5 points per dollar spent). You'll also earn 10x points at Mr & Mrs Smith properties; 2,000 points per stay when you book InterContinental Alliance Resorts like the Venetian Resort Las Vegas and the Palazzo at the Venetian Resort; or 10 points per dollar at the Venetian Macao, the Londoner Macao, and the Parisian Macao.Staying at IHG Residence properties will earn you 2.5 points per dollar, while stays at IHG Army Hotels will earn you 3 points per dollar. If you have one of the Chase IHG Rewards credit cards, you'll earn an extra 10 points per dollar with the IHG One Rewards Premier Credit Card and IHG One Rewards Premier Business Credit Card, or 5 points per dollar with the IHG One Rewards Traveler Credit Card.There are also ways to earn bonus points during your stay. You'll get 1,000 elite-qualifying bonus points per night just for being an IHG Rewards Club member and can earn up to 5,000 extra points with bonus points packages when booking stays at participating InterContinental properties.Depending on your hotel and elite status level, you might also be able to earn points as a welcome gift. Be sure to book directly with your desired IHG property — not an online travel agency or third-party travel site — to earn points and receive other status-related benefits.IHG cardholders save 20% when buying IHG points through the website. Points must be purchased in increments of 1,000 and start at $10.80 per 1,000 points for IHG cardholders, and $13.50 per 1,000 points for everyone else. Note that you're only allowed to buy 150,000 points per calendar year.You can even earn IHG points for making dinner reservations through OpenTable (500 points), visiting local attractions or taking guided tours (1,000 points), and booking transportation (1,000 points).You'll earn 500 points for having your first meal delivered to a participating IHG hotel via Grubhub and 250 points on future hotel food deliveries. Renting a car through Hertz can earn you 1,500 points, while Diamond Elite members enjoy a complimentary upgrade to Hertz Gold Plus Rewards Five Star status. Join IHG Rewards Club Dine & EarnIHG Rewards Club Dine & Earn is IHG's dining program, which lets new members earn 1,000 bonus points after spending more than $30 and completing an online review during their first month. After dining at participating restaurants, cafés, and bars 11 times before the end of the year, you'll receive VIP status that carries through the following year, giving you access to a VIP Member Services hotline, and letting you earn eight points per dollar on dining.Check your inbox for exclusive promotions and offers to earn more points per stay. For example, we've seen offers to earn 2,000 bonus points for every two nights, or an extra 10,000 points for IHG Rewards Club cardholders on their first stay when using their card.If you're constantly booking meetings, conferences, weddings, business trips, and other events for someone else, IHG Business Rewards lets you earn 3 points per dollar on accommodations, meetings, and events. Points count toward your own personal elite status and can be used to redeem reward nights for business or personal use, or for office supplies, vouchers, and other business needs.When you refer a friend to apply for one of the IHG Rewards Club credit cards, you can earn 10,000 points for each referral, or up to 50,000 points per year.Earning elite status with IHG can lead to even more benefits if you travel frequently. As mentioned before, IHG Rewards Club members get complimentary Wi-Fi, members-only rates, a dedicated concierge, no blackout dates, and award nights that count toward elite status. We'll discuss each status tier in the section below.Holding IHG elite status automatically accelerates the number of points you can earn with every stay. IHG Rewards adds a multiplier for every dollar you spend, allowing you to rack up points at a much faster rate than you would if you never tracked your stays with this chain. You're automatically an IHG Club Member as soon as you sign up for an IHG Rewards account. Club members earn points even when staying at an IHG property on points, and don't have any blackout dates for booking reward nights. They also get free Internet at IHG hotels, and enjoy late check-out privileges at 2 p.m. when available.You'll automatically receive Silver Elite status if you have the IHG One Rewards Traveler Credit Card. Otherwise, you can earn this status tier after completing 10 qualifying night stays. Silver Elites earn 20% more points on stays and get priority check-in in addition to all of the Club Member benefits listed above.Your IHG points won't expire after you earn Silver (or higher) IHG status; otherwise, points expire after 12 months of inactivity for IHG members without status. Gold Elites earn this status after staying 20 qualifying nights or earning 40,000 qualifying IHG points in a year. They'll have all the benefits of Silver Elites, but earn 40% more points per stay and can roll over credit for nights stayed toward next year's status. Platinum Elites get all the benefits of Gold Elite status, earn a 60% points bonus on stays, and get complimentary room upgrades when available, reward night discounts, guaranteed room availability, a welcome amenity at check-in, and early check-in subject to availability. IHG One Rewards Premier Credit Card and IHG One Rewards Premier Business Credit Card cardholders receive instant IHG Platinum Elite status. Without one of these cards, you'd have to stay 40 qualifying nights or earn 60,000 qualifying points to qualify for IHG Platinum.Diamond Elite status comes with all of the Platinum Elite status benefits above, earn 100% more points per stay, and get a complimentary status upgrade to Hertz Gold Plus Rewards Five Star status. They also have access to a dedicated Diamond Elites customer support line. Earning Diamond Elite status normally requires 70 qualifying nights or 120,000 qualifying points in a year.InterContinental lovers can also pay $200 to become part of the InterContinental Ambassador program, which offers instant Platinum Elite status and benefits like late 4 p.m. check-out, complimentary weekend nights, guaranteed room upgrades, premium Wi-Fi, free mineral water, and a $20 bar and restaurant credit per stay.If you're lucky enough to be invited, Kimpton Inner Circle gives you all the perks of IHG Diamond Elite status so you can earn 100% more points for your stay, and adds unique benefits like a free night at the newest Kimpton hotel and a special treat from the chef at Kimpton restaurants. Amenity fees are waived, an upgrade to the next category is guaranteed, and there's a VIP customer service hotline just in case.IHG doesn't have an award chart — instead, the number of points required for a free night varies by property, season, and date. You can expect to pay 10,000 to 70,000 points per night at most hotels, although a few high-end resorts charge up to 100,000 points per night.If you choose to use IHG points for other redemptions, like merchandise or events, you'll usually get a lower value than if you redeemed points for an award stay.Business Insider's points and miles valuations peg IHG points as worth 0.65 cents apiece, on average — so if you get that rate or better when comparing the cost of an award night to the paid price, you're getting a good deal.You can use your IHG points to stay at some of the most luxurious hotels and resorts in the world, whether you're in search of a romantic getaway, family vacation, solo travel escape, or dream honeymoon. Here are a few examples:If you'd rather make your points last, you can make the most of your redemption by using Points & Cash to pay for your award nights. This benefit lets you book stays for as low as 5,000 points per night plus the cash difference as determined by IHG's dynamic pricing.IHG cardholders get four reward nights for the price of three when redeeming points for stays of three or more nights, giving you yet another reason to choose that redemption property wisely.If you have the IHG One Rewards Premier Credit Card or IHG One Rewards Premier Business Credit Card, you'll get an anniversary night each year to use at any IHG property with a redemption rate at or under 40,000 points.While this certainly narrows down your options, IHG has added the ability to \"top off\" a free night certificate with an unlimited number of points from your account. So, for instance, if you wanted to book a hotel that costs 50,000 points per night, you could redeem a free night certificate plus 10,000 points for the room.If you'd rather receive airline miles for your stays instead of IHG Rewards points, that's an option, though redemption rates vary by airline. IHG has dozens of airline partners, including American Airlines, Alaska Airlines, Delta, JetBlue, and United Airlines.You can donate IHG points in increments of 2,500, 5,000, or 10,000 to the American Red Cross, Goodwill, CARE International, No Kid Hungry, or the IFRC (International Federation of Red Cross and Red Crescent Societies) to make a difference. There's also an option to transfer IHG points to a friend or family member at a cost of $5 per 1,000 points, or buying them through IHG's website. To avoid the fee, you can use your points to book an award night for others, but you'll have to add the person's name to the reservation when you book online or by phone.IHG allows you to turn your points into gift cards from dozens of brands — it's 13,000 points for a $25 gift card and 25,000 points for a $50 gift card — or you can put them toward eBooks, eNewspapers, eMagazines, games, movies, and computer software via IHG's digital rewards catalog.You can also shop for jewelry, sports equipment, technology, and health and wellness products through IHG's online catalog. And if you're looking for something to read on the plane, you can redeem IHG points for subscriptions to magazines and newspapers.Some of these redemptions are as low as 100 IHG points, so if you haven't had any activity in your account recently, this is a good way to keep your IHG points from expiring.Through IHG Auctions, you can redeem IHG points for concerts, sports, special events, or other experiences. IHG has many different price points for award night, begin at 5,000 points.Diamond Elite is the highest tier of IHG status that members can earn. Customers can pay $200 to join the InterContinental Ambassador program, which confers instant Platinum status and premium benefits at participating InterContinental hotels. The invite-only Kimpton Inner Circle confers all the benefits of Diamond status plus unique benefits such as waived amenity fees, free nights, guaranteed upgrades and special treat from the chef at Kimpton restaurants.IHG points are worth 0.65 cents apiece on average, according to Business Insider's valuations. You can earn IHG points by booking stays directly with the hotel. You can also earn IHG points from co-branded credit cards, or by transferring points from Chase or Bilt. In most cases, you won't earn IHG points if you book your hotel through a third party such as Expedia or Amex Travel. You can earn IHG Rewards points from IHG co-branded credit cards. IHG also accepts points from Bilt Rewards and Chase Ultimate Rewards.","articleSection":"Personal Finance, Credit, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How many points do you need for a free night at IHG Hotels?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">IHG has many different price points for award night, begin at 5,000 points.</p>"}},{"@type":"Question","name":"What is the best elite status at IHG?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Diamond Elite is the highest tier of IHG status that members can earn. Customers can pay $200 to join the InterContinental Ambassador program, which confers instant Platinum status and premium benefits at participating InterContinental hotels. 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IHG also accepts points from Bilt Rewards and Chase Ultimate Rewards.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards","name":"Credit Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-use-ihg-points","name":"These are the best ways to earn, redeem, and maximize IHG Rewards points in 2024"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">These are the best ways to earn, redeem, and maximize IHG Rewards points in 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Kaeli Conforti" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/kaeli-conforti" >Kaeli Conforti</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/jasmin-baron" >Jasmin Baron</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-11-21T19:52:12Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-11-21T19:52:12Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> 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clip-rule="evenodd" d="M0.199951 2C0.199951 1.17157 0.871524 0.5 1.69995 0.5H7.27138C8.09981 0.5 8.77138 1.17157 8.77138 2V14C8.77138 14.8284 8.09981 15.5 7.27138 15.5H1.69995C0.871523 15.5 0.199951 14.8284 0.199951 14V2ZM5.55709 13.3571C5.55709 13.9489 5.0774 14.4286 4.48567 14.4286C3.89393 14.4286 3.41424 13.9489 3.41424 13.3571C3.41424 12.7654 3.89393 12.2857 4.48567 12.2857C5.0774 12.2857 5.55709 12.7654 5.55709 13.3571ZM7.43209 1.83929H1.53924V11.2143H7.43209V1.83929Z" fill="#0a0a0a"/> </svg> <span class="headline-regular button-text"> Read in app </span> </a></section> </section> <div class="col-12"> </div> <div> <section class="post-content typography pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</p><ul class="summary-list"> <li>The InterContinental Hotels Group owns brands like Kimpton, Holiday Inn, and Staybridge Suites</li> <li>Points from the IHG Rewards loyalty program can be redeemed at more than 6,000 hotels worldwide.</li> <li>Read Business Insider's guide to the <a href="https://www.businessinsider.com/personal-finance/best-hotel-credit-cards" data-analytics-product-module="summary_bullets" rel="">best hotel credit cards</a>.</li> </ul><p>Whether you enjoy staying at luxurious boutique hotels or prefer family-friendly brands, joining IHG Rewards Club is a no-brainer. Here's what you should know about the Intercontinental Hotels Group and its loyalty program, IHG Rewards. </p><h2>Introduction to IHG</h2><p>The Intercontinental Hotels Group has 19 hotel brands and operates more than 6,000 hotels worldwide, ranging from the eponymous InterContinental Hotels and Resorts and the luxurious Regent or Six Senses Resorts to the ubiquitous Holiday Inn and Staybridge Suites brands. </p><p>IHG Rewards points are a valuable travel rewards currency if you know how to use them. Points can be redeemed for hotel stays, flights, activities, and a host of other travel-related purchases. </p><aside class="quick-tip headline-regular ignore-typography"><h4>IHG hotel brands include:</h4><ul><li>Atwell Suites</li><li>Avid</li><li>Candlewood Suites </li><li>Crowne Plaza</li><li>EVEN Hotels</li><li>Garner</li><li>Holiday Inn</li><li>Holiday Inn Express</li><li>Holiday Inn Club Vacations</li><li>Hotel Indigo</li><li>Hualuxe</li><li>Iberostar</li><li>InterContinental Hotels and Resorts</li><li>Kimpton Hotels and Restaurants</li><li>Regent</li><li>Six Senses Resorts</li><li>Staybridge Suites </li><li>Vignette Collection</li><li>Voco</li></ul></aside><h2>Joining IHG Rewards</h2><p>It's well worth being a part of the IHG Rewards program, even if you don't stay with the chain very often. Enrollment is free, and members get perks such as complimentary Wi-Fi, no blackout dates, award nights that count toward elite status, a dedicated concierge, and members-only special rates.</p><h2>How to earn and accumulate IHG points</h2><p>IHG members earn points on hotel stays, and can also accumulate IHG points with hotel co-branded credit cards, or from other credit cards that earn transferrable points. </p><p>IHG has two main categories of points:</p><ul><li>Non-elite-qualifying bonus points, which help you earn rewards via special promotions</li><li>Elite-qualifying base points, which you can redeem for rewards, upgrades, and maintaining elite status</li></ul><p>You can generally earn base points by staying at IHG properties and by booking through IHG's various travel, dining, and shopping partners. Here's a look at some of the best ways to earn IHG points.</p><h3>Get a co-branded IHG credit card</h3> <div id="ihg-one-rewards-premier-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">IHG One Rewards Premier Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=187233381d6d752cebb6a72e54113cb28d5aefbb9ec5e865d6dd93c7caa89e62&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669547" rel="nofollow noindex" data-analytics-product-id="5e742bddc48540446917b762" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=187233381d6d752cebb6a72e54113cb28d5aefbb9ec5e865d6dd93c7caa89e62&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669547"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=187233381d6d752cebb6a72e54113cb28d5aefbb9ec5e865d6dd93c7caa89e62&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669547" rel="nofollow noindex" data-analytics-product-id="5e742bddc48540446917b762" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=187233381d6d752cebb6a72e54113cb28d5aefbb9ec5e865d6dd93c7caa89e62&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669547"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/649dd634a1787600196fd33d?width=400" alt="Chase IHG One Rewards Premier Credit Card"> <noscript> <img src="https://i.insider.com/649dd634a1787600196fd33d?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e742bddc48540446917b762-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.23469687116896232"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.23469687116896232)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5822883739101177"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5822883739101177)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5203796830938869"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5203796830938869)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.950872646315762"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.950872646315762)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.31345428824221777"> <stop stop-color="#faa809" offset="30%"></stop> <stop stop-color="white" offset="30%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.31345428824221777)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and at restaurants. Earn 3 points per $1 spent on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$99</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.74% - 27.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 140,000 Bonus Points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="5e742bddc48540446917b762" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Anniversary reward night can be worth more than the annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Could offer better rewards on non-IHG purchases</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you stay at IHG properties even just a few times a year, the IHG One Rewards Premier Credit Card is a great way to save money on your hotel stays and enjoy extra benefits. The annual free night alone can easily be worth much more than the annual fee, and perks like up to $50 in United TravelBank Cash and valuable annual spending incentives make the card even more compelling.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/ihg-rewards-club-premier-credit-card-review" data-analytics-product-id="5e742bddc48540446917b762" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> IHG One Rewards Premier Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 140,000 Bonus Points</li> <li class="financial-product-card__product-details__list-item">Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.</li> <li class="financial-product-card__product-details__list-item">Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts</li> <li class="financial-product-card__product-details__list-item">Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases</li> <li class="financial-product-card__product-details__list-item">Automatic Platinum Elite status as long as you remain a Premier cardmember</li> <li class="financial-product-card__product-details__list-item">Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card</li> <li class="financial-product-card__product-details__list-item">IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e742bddc48540446917b762" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="ihg-one-rewards-traveler-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">IHG One Rewards Traveler Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=25c8103314e792ce497ccdc67b6fcc016aab67ae785db31d2224a7b0f1402125&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26676012" rel="nofollow noindex" data-analytics-product-id="5e742d0ec485407a95551642" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Traveler Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=25c8103314e792ce497ccdc67b6fcc016aab67ae785db31d2224a7b0f1402125&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26676012"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=25c8103314e792ce497ccdc67b6fcc016aab67ae785db31d2224a7b0f1402125&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26676012" rel="nofollow noindex" data-analytics-product-id="5e742d0ec485407a95551642" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Traveler Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=25c8103314e792ce497ccdc67b6fcc016aab67ae785db31d2224a7b0f1402125&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26676012"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/649dd6d53738d70019d53615?width=400" alt="Chase IHG One Rewards Traveler Credit Card"> <noscript> <img src="https://i.insider.com/649dd6d53738d70019d53615?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e742d0ec485407a95551642-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6371843816236562"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6371843816236562)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6518887680765129"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6518887680765129)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9821410172467004"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9821410172467004)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4226899378609217"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4226899378609217)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.013650128687281438"> <stop stop-color="#faa809" offset="5%"></stop> <stop stop-color="white" offset="5%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.013650128687281438)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.05<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to 17 total points per $1 spent when you stay at IHG Hotel & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and at restaurants. Earn 2 points per $1 spent on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.74% - 27.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 80,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e742d0ec485407a95551642" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Traveler Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Great points earning for IHG stays</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No foreign transaction fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Not much in the way of perks beyond earning points</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Really only a good option for earning points on IHG stays</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The IHG One Rewards Traveler Credit Card is a decent option if you stay at IHG hotels occasionally and don't want to pay an annual fee. However, you'll get a much better deal with the annual-fee personal Chase IHG card, the IHG One Rewards Premier Credit Card.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/ihg-rewards-club-traveler-card-review" data-analytics-product-id="5e742d0ec485407a95551642" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Traveler Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> IHG One Rewards Traveler Credit Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 80,000 Bonus Points</li> <li class="financial-product-card__product-details__list-item">No Annual Fee</li> <li class="financial-product-card__product-details__list-item">Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts</li> <li class="financial-product-card__product-details__list-item">Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases</li> <li class="financial-product-card__product-details__list-item">No Foreign Transaction Fees</li> <li class="financial-product-card__product-details__list-item">Redeem 3 Nights, Get the 4th Night Free</li> <li class="financial-product-card__product-details__list-item">IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e742d0ec485407a95551642" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Traveler Credit Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="ihg-one-rewards-premier-business-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">IHG One Rewards Premier Business Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=829d5be0e10126ae05238c5b74d33f3a59c626238303fc1fbaa5595f9ff0ee46&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682807" rel="nofollow noindex" data-analytics-product-id="623c834ef7985a001ab84811" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Business Credit Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=829d5be0e10126ae05238c5b74d33f3a59c626238303fc1fbaa5595f9ff0ee46&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682807"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=829d5be0e10126ae05238c5b74d33f3a59c626238303fc1fbaa5595f9ff0ee46&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682807" rel="nofollow noindex" data-analytics-product-id="623c834ef7985a001ab84811" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Business Credit Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=829d5be0e10126ae05238c5b74d33f3a59c626238303fc1fbaa5595f9ff0ee46&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682807"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/66105e331caec1275a6d716e?width=400" alt="Chase IHG One Rewards Premier Business Credit Card"> <noscript> <img src="https://i.insider.com/66105e331caec1275a6d716e?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="623c834ef7985a001ab84811-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5469511613758951"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5469511613758951)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9039953239663818"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9039953239663818)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8035918058899783"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8035918058899783)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9791984336782731"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9791984336782731)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.05758610072623438"> <stop stop-color="#faa809" offset="30%"></stop> <stop stop-color="white" offset="30%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.05758610072623438)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$99</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.74% - 27.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 140,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="623c834ef7985a001ab84811" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Business Credit Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Up to 2 free night certificates each year</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Ability to achieve top-tier elite status through spending</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>$99 annual fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It's got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/ihg-premier-business-credit-card-review" data-analytics-product-id="623c834ef7985a001ab84811" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Business Credit Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> IHG One Rewards Premier Business Credit Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.</li> <li class="financial-product-card__product-details__list-item">Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.</li> <li class="financial-product-card__product-details__list-item">Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts</li> <li class="financial-product-card__product-details__list-item">Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases</li> <li class="financial-product-card__product-details__list-item">Automatic Platinum Elite status as long as you remain a Premier Business cardmember</li> <li class="financial-product-card__product-details__list-item">Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card</li> <li class="financial-product-card__product-details__list-item">IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="623c834ef7985a001ab84811" data-analytics-product-brand="Chase" data-analytics-product-name="IHG One Rewards Premier Business Credit Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>An easy way to accrue IHG Rewards points is by signing up for one of the hotel chain's co-branded credit cards. </p><h4><a href="https://www.businessinsider.com/personal-finance/credit-cards/ihg-rewards-club-premier-credit-card-review" rel="">IHG One Rewards Premier Credit Card</a></h4><p>You can earn 140,000 bonus points after you spend $3,000 on purchases in the first three months from account opening with the IHG One Rewards Premier Credit Card. It's worth around $910 in stays, according to Business Insider's <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">points and miles valuations</a>.</p><p>The annual fee is $99, but the card's travel benefits can more than offset the cost.</p><p>Staying at IHG properties earns you up to 26x points, you'll earn 5x points on eligible travel, dining, and gas stations purchases, and 3x points on all other purchases. The card comes with automatic Platinum elite status, and offers a free anniversary night certificate each year, valid for use at any IHG hotel worldwide that costs up to 40,000 points per night — with the option to top up the certificate with points for more expensive hotels.</p><p>With the card, you'll also get the fourth reward night free when you redeem three or more nights, a credit of up to $100 toward the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-global-entry-tsa-precheck-credit-card" data-analytics-product-module="body_link" rel="">Global Entry, TSA PreCheck®</a>, or NEXUS application fee, up to $50 per year in United Travel Bank cash, 10,000 bonus IHG points and a $100 statement credit each account anniversary year you spend $20,000 on purchases (and make one additional purchase at least one day after you spend $20,000), and solid travel and purchase protections.</p><p><em>Here's our <a href="https://www.businessinsider.com/personal-finance/credit-cards/ihg-rewards-club-premier-credit-card-review" data-analytics-product-module="body_link" rel="">IHG One Rewards Premier credit card review</a> with all the details.</em></p><h4>IHG One Rewards Traveler Credit Card</h4><p>The IHG One Rewards Traveler Credit Card offers a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening. Based on our valuations, that's worth around $520 in hotel stays.</p><p>This card doesn't come with the bells and whistles of the IHG One Rewards Premier Credit Card; for example, you won't receive a free night certificate each year on your card anniversary. However, if you only stay with IHG occasionally or are completely against paying an annual fee, it's a decent option.</p><p>Cardholders earn up to 17x points when they stay at IHG properties, plus 3x points on utilities, internet, cable, phone, select streaming services, dining, and gas, and 2x points on all other purchases. You'll also get a fourth reward night free when you redeem points for stays of at least three nights, Automatic IHG Silver elite status with an upgrade to Gold elite status after spending $20,000 on purchases in a calendar year and making one additional purchase, and 10,000 bonus points when you spend at least $10,000 and make one additional purchase with the card.</p><p><em>Check out our <a href="https://www.businessinsider.com/personal-finance/credit-cards/ihg-rewards-club-traveler-card-review" data-analytics-product-module="body_link" rel="">IHG One Rewards Club Travel card review</a> for a closer look at what this card has to offer.</em></p><h4>IHG One Rewards Premier Business Credit Card</h4><p>The IHG One Rewards Premier Business Credit Card offers a welcome bonus of 140,000 bonus points after spending $4,000 on purchases in the first three months from account opening (worth around $910 according to our valuations).</p><p>Cardholders earn up to 26x points at IHG hotels, 5x points on travel and at gas stations, dining, social media and search engine advertising, and at office supply stores, and 3 points per dollar on all other eligible purchases.</p><p>The card comes with similar benefits to the personal IHG One Rewards Premier Credit Card, including an anniversary free night award worth up to 40,000 points. One additional perk is another free night award after spending $60,000 on purchases and making one additional purchase in a calendar year.</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/ihg-premier-business-credit-card-review" data-analytics-product-module="body_link" rel="">IHG One Rewards Premier Business credit card review</a> to learn more.</em></p><h3>Transfer points from Chase Ultimate Rewards to IHG</h3> <div id="chase-sapphire-preferred®-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Chase Sapphire Preferred® Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545" rel="nofollow noindex" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545" rel="nofollow noindex" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6605e2121caec1275a6ab3ec?width=400" alt="Chase Chase Sapphire Preferred® Card"> <noscript> <img src="https://i.insider.com/6605e2121caec1275a6ab3ec?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e67d55684159f610676c264-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.29179760750057415"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.29179760750057415)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5013373812422413"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5013373812422413)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6616268621376049"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6616268621376049)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8862030263587883"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8862030263587883)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.27751732464291945"> <stop stop-color="#faa809" offset="40%"></stop> <stop stop-color="white" offset="40%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.27751732464291945)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$95</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.99% - 27.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 60,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High intro bonus offer starts you off with lots of points</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong travel coverage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't offer a Global Entry/TSA PreCheck application fee credit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/chase-sapphire-preferred-card-review" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Sapphire Preferred Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.</li> <li class="financial-product-card__product-details__list-item">Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.</li> <li class="financial-product-card__product-details__list-item">Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.</li> <li class="financial-product-card__product-details__list-item">Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.</li> <li class="financial-product-card__product-details__list-item">Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="bilt-mastercard®" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Bilt Mastercard®</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=d4b3180f222713cb536fa61f1d229241041f35bdb4ea8590be386a45533757ea&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686669" rel="nofollow noindex" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=d4b3180f222713cb536fa61f1d229241041f35bdb4ea8590be386a45533757ea&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686669"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Bilt's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://www.wellsfargo.com/credit-cards/bilt/terms/?amazonTrackingID" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71323-20&h=d4b3180f222713cb536fa61f1d229241041f35bdb4ea8590be386a45533757ea&platform=browser&postID=669ec25e20eaab25bc205473&postSlug=personal-finance%2Fcredit-cards%2Fhow-to-earn-use-ihg-points&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686669" rel="nofollow noindex" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=d4b3180f222713cb536fa61f1d229241041f35bdb4ea8590be386a45533757ea&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26686669"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61017d500d35a90018259ffe?width=400" alt="Wells Fargo Bilt Mastercard®"> <noscript> <img src="https://i.insider.com/61017d500d35a90018259ffe?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="610184d96f44b90011b8e8e2-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7587473876342707"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7587473876342707)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8656388934121308"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8656388934121308)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.015260590385591577"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.015260590385591577)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3517331501823031"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3517331501823031)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.13982432808662626"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.13982432808662626)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. Earns 3x points on dining. Earn 2x points on travel. Earn 1x points on other purchases. Earn double points on the first of each month (excluding rent, up to 1,000 bonus points). Use the card 5 times each statement period to earn points. Also earn up to 5x points on Lyft rides when you link your Bilt account and pay with your Bilt card.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">See Terms</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Only credit card to offer rent payments to any landlord</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Excellent range of airline and hotel transfer partners through the Bilt App</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>World Elite Mastercard benefits and no annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>If you’re not a renter, other cards offer better welcome bonuses and rewards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Must make 5 transactions per statement period to earn points</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Bilt Mastercard® is the first credit card to offer up to 100,000 points in a calendar year rewards for paying rent without the transaction fee — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you're not a renter, you should consider other no-annual-fee rewards credit cards as well.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/bilt-mastercard-card-review" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Bilt Mastercard® <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">$0 Annual Fee</li> <li class="financial-product-card__product-details__list-item">Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year</li> <li class="financial-product-card__product-details__list-item">Earns 3x points on dining</li> <li class="financial-product-card__product-details__list-item">Earn 2x points on travel</li> <li class="financial-product-card__product-details__list-item">Earn 1x points on other purchases</li> <li class="financial-product-card__product-details__list-item">Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)</li> <li class="financial-product-card__product-details__list-item">Use the card 5 times each statement period to earn points</li> <li class="financial-product-card__product-details__list-item">Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card</li> <li class="financial-product-card__product-details__list-item">Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.</li> <li class="financial-product-card__product-details__list-item">Select "Apply Now" to learn more about the product features, terms, and conditions</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="610184d96f44b90011b8e8e2" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Bilt Mastercard®" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>If you prefer flexible rewards, a credit card that <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">earn Chase Ultimate Rewards® points</a> could be a better choice. IHG is one of Chase's dozen-plus Ultimate Rewards airline and hotel transfer partners, and you can move points to the program at a 1:1 ratio in 1,000-point increments. </p><p>You can earn transferable Chase Ultimate Rewards points with the following cards:</p><ul><li>Chase Sapphire Preferred® Card — Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, plus 5x on Chase Travel℠ purchases and 3x points on dining. Here's our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" rel="">Chase Sapphire Preferred card review</a>.</li><li>Chase Sapphire Reserve® — This premium credit card offers 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening and comes with valuable travel perks. Find out more in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" rel="">Chase Sapphire Reserve credit card review</a>.</li><li>Ink Business Preferred Card — Small-business owners can earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening, plus get handy benefits like cell phone protection. Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" rel="">Chase Ink Business Preferred review</a> for more details.</li></ul><p>Keep in mind you can transfer points to any of the Chase cards mentioned above from no-annual-fee Chase cards like the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited®</a>, <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a>, <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Unlimited® Credit Card</a>, or <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Cash® Credit Card</a>, then move them to IHG at the same 1:1 ratio.</p><h3>Transfer points from Bilt Rewards to IHG</h3><p>The Bilt Rewards program partners with over a dozen airline and hotel loyalty programs, including IHG. You can transfer <a href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-points-value" data-analytics-product-module="body_link" rel="">Bilt Points</a> to IHG at a 1:1 ratio, and occasionally there are transfer bonuses.</p><p>The easiest way to earn Bilt Points is with the Bilt Mastercard®, which earns 1 point per dollar on rent payments (with no transaction fee) on up to $100,000 in rent payments every year, 2 points per dollar on travel booked directly with airlines, hotels, car rentals, or cruise lines, 3 points per dollar on dining (including food delivery services like Uber Eats and GrubHub), and 1 point per dollar on other purchases. Note you must make at least five purchases on the card each billing cycle to be eligible to earn rewards.</p><p>Here's our <a href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-mastercard-card-review" data-analytics-product-module="body_link" rel="">Bilt Mastercard card review</a> with more information, including details about the monthly <a href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-rent-day" data-analytics-product-module="body_link" rel="">Bilt Rent Day</a> promotion. </p><aside class="quick-tip headline-regular ignore-typography"><p><strong>How much are IHG Rewards points worth?</strong> Business Insider values IHG points is 0.65 cents each, on average, putting them near the middle of the pack among hotel program point values.</p></aside><h3>Maximize your stays at IHG hotels and resorts </h3><p>As an IHG Rewards Club member, you'll earn 10 points per dollar for paid stays at most IHG brands (except Staybridge Suites and Candlewood Suites, which earn 5 points per dollar spent). </p><p>You'll also earn 10x points at Mr & Mrs Smith properties; 2,000 points per stay when you book InterContinental Alliance Resorts like the Venetian Resort Las Vegas and the Palazzo at the Venetian Resort; or 10 points per dollar at the Venetian Macao, the Londoner Macao, and the Parisian Macao.</p><p>Staying at IHG Residence properties will earn you 2.5 points per dollar, while stays at IHG Army Hotels will earn you 3 points per dollar. If you have one of the Chase IHG Rewards credit cards, you'll earn an extra 10 points per dollar with the IHG One Rewards Premier Credit Card and IHG One Rewards Premier Business Credit Card, or 5 points per dollar with the IHG One Rewards Traveler Credit Card.</p><p>There are also ways to earn bonus points during your stay. You'll get 1,000 elite-qualifying bonus points per night just for being an IHG Rewards Club member and can earn up to 5,000 extra points with bonus points packages when booking stays at participating InterContinental properties.</p><p>Depending on your hotel and elite status level, you might also be able to earn points as a welcome gift. Be sure to book directly with your desired IHG property — not an online travel agency or third-party travel site — to earn points and receive other status-related benefits.</p><h3>Buy IHG Rewards points</h3><p>IHG cardholders save 20% when buying IHG points through the website. Points must be purchased in increments of 1,000 and start at $10.80 per 1,000 points for IHG cardholders, and $13.50 per 1,000 points for everyone else. Note that you're only allowed to buy 150,000 points per calendar year.</p><h3>Use IHG's shopping, dining, and travel partnerships</h3><p>You can even earn IHG points for making dinner reservations through OpenTable (500 points), visiting local attractions or taking guided tours (1,000 points), and booking transportation (1,000 points).</p><p>You'll earn 500 points for having your first meal delivered to a participating IHG hotel via Grubhub and 250 points on future hotel food deliveries. Renting a car through Hertz can earn you 1,500 points, while Diamond Elite members enjoy a complimentary upgrade to Hertz Gold Plus Rewards Five Star status. Join IHG Rewards Club Dine & Earn<a href="https://ihgrewardsclubdining.rewardsnetwork.com/Earn" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link"></a></p><p>IHG Rewards Club Dine & Earn is IHG's dining program, which lets new members earn 1,000 bonus points after spending more than $30 and completing an online review during their first month. After dining at participating restaurants, cafés, and bars 11 times before the end of the year, you'll receive VIP status that carries through the following year, giving you access to a VIP Member Services hotline, and letting you earn eight points per dollar on dining.</p><h3>Sign up for IHG Rewards Club promotions </h3><p>Check your inbox for exclusive promotions and offers to earn more points per stay. For example, we've seen offers to earn 2,000 bonus points for every two nights, or an extra 10,000 points for IHG Rewards Club cardholders on their first stay when using their card.</p><h3>Earn more with IHG Business Rewards </h3><p>If you're constantly booking meetings, conferences, weddings, business trips, and other events for someone else, <a href="https://www.ihg.com/onerewards/content/us/en/business-rewards/home" target="_blank" rel="nofollow noopener sponsored" data-analytics-product-module="body_link">IHG Business Rewards</a> lets you earn 3 points per dollar on accommodations, meetings, and events. Points count toward your own personal elite status and can be used to redeem reward nights for business or personal use, or for office supplies, vouchers, and other business needs.</p><h3>Refer friends to IHG Rewards Club credit cards</h3><p>When you refer a friend to apply for one of the IHG Rewards Club credit cards, you can earn 10,000 points for each referral, or up to 50,000 points per year.</p><h3>Earn IHG points through elite status</h3><p>Earning elite status with IHG can lead to even more benefits if you travel frequently. As mentioned before, IHG Rewards Club members get complimentary Wi-Fi, members-only rates, a dedicated concierge, no blackout dates, and award nights that count toward elite status. We'll discuss each status tier in the section below.</p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Elite Status Membership Levels and Benefits</h2><p>Holding IHG elite status automatically accelerates the number of points you can earn with every stay. IHG Rewards adds a multiplier for every dollar you spend, allowing you to rack up points at a much faster rate than you would if you never tracked your stays with this chain. </p><h3>Club Member</h3><p>You're automatically an IHG Club Member as soon as you sign up for an IHG Rewards account. Club members earn points even when staying at an IHG property on points, and don't have any blackout dates for booking reward nights. They also get free Internet at IHG hotels, and enjoy late check-out privileges at 2 p.m. when available.</p><h3>Silver Elite</h3><p>You'll automatically receive Silver Elite status if you have the IHG One Rewards Traveler Credit Card. Otherwise, you can earn this status tier after completing 10 qualifying night stays. Silver Elites earn 20% more points on stays and get priority check-in in addition to all of the Club Member benefits listed above.</p><p>Your IHG points won't expire after you earn Silver (or higher) IHG status; otherwise, points expire after 12 months of inactivity for IHG members without status. </p><h3>Gold Elite</h3><p>Gold Elites earn this status after staying 20 qualifying nights or earning 40,000 qualifying IHG points in a year. They'll have all the benefits of Silver Elites, but earn 40% more points per stay and can roll over credit for nights stayed toward next year's status. </p><h3>Platinum Elite</h3><p>Platinum Elites get all the benefits of Gold Elite status, earn a 60% points bonus on stays, and get complimentary room upgrades when available, reward night discounts, guaranteed room availability, a welcome amenity at check-in, and early check-in subject to availability. </p><p>IHG One Rewards Premier Credit Card and IHG One Rewards Premier Business Credit Card cardholders receive instant IHG Platinum Elite status. Without one of these cards, you'd have to stay 40 qualifying nights or earn 60,000 qualifying points to qualify for IHG Platinum.</p><h3>Diamond Elite</h3><p>Diamond Elite status comes with all of the Platinum Elite status benefits above, earn 100% more points per stay, and get a complimentary status upgrade to Hertz Gold Plus Rewards Five Star status. They also have access to a dedicated Diamond Elites customer support line. Earning Diamond Elite status normally requires 70 qualifying nights or 120,000 qualifying points in a year.</p><h3>Ambassador</h3><p>InterContinental lovers can also pay $200 to become part of the InterContinental Ambassador program, which offers instant Platinum Elite status and benefits like late 4 p.m. check-out, complimentary weekend nights, guaranteed room upgrades, premium Wi-Fi, free mineral water, and a $20 bar and restaurant credit per stay.</p><h3>Kimpton Inner Circle</h3><p>If you're lucky enough to be invited, Kimpton Inner Circle gives you all the perks of IHG Diamond Elite status so you can earn 100% more points for your stay, and adds unique benefits like a free night at the newest Kimpton hotel and a special treat from the chef at Kimpton restaurants. Amenity fees are waived, an upgrade to the next category is guaranteed, and there's a VIP customer service hotline just in case.</p><h2 data-toc-label="Best ways to use IHG points">Redeeming and maximizing IHG Rewards</h2><p>IHG doesn't have an award chart — instead, the number of points required for a free night varies by property, season, and date. You can expect to pay 10,000 to 70,000 points per night at most hotels, although a few high-end resorts charge up to 100,000 points per night.</p><p>If you choose to use IHG points for other redemptions, like merchandise or events, you'll usually get a lower value than if you redeemed points for an award stay.</p><aside class="quick-tip headline-regular ignore-typography"><p>Business Insider's points and miles valuations peg IHG points as worth 0.65 cents apiece, on average — so if you get that rate or better when comparing the cost of an award night to the paid price, you're getting a good deal.</p></aside><h3>Redeem IHG points for dream vacations</h3><p>You can use your IHG points to stay at some of the most luxurious hotels and resorts in the world, whether you're in search of a romantic getaway, family vacation, solo travel escape, or dream honeymoon. Here are a few examples:</p><ul><li>InterContinental Le Moana Bora Bora (70,000 points per night)</li><li>Kimpton Seafire Resort & Spa (70,000 points per night)</li><li>Kimpton Dewitt Amsterdam (58,000 points per night)</li><li>Hotel Indigo Hong Kong Island (32,000 points per night)</li></ul><h3>Stretch your savings with Points & Cash</h3><p>If you'd rather make your points last, you can make the most of your redemption by using Points & Cash to pay for your award nights. This benefit lets you book stays for as low as 5,000 points per night plus the cash difference as determined by IHG's dynamic pricing.</p><h3>Use the fourth reward night benefit</h3><p>IHG cardholders get four reward nights for the price of three when redeeming points for stays of three or more nights, giving you yet another reason to choose that redemption property wisely.</p><h3>Redeem your IHG Premier anniversary night</h3><p>If you have the IHG One Rewards Premier Credit Card or IHG One Rewards Premier Business Credit Card, you'll get an anniversary night each year to use at any IHG property with a redemption rate at or under 40,000 points.</p><p>While this certainly narrows down your options, IHG has added the ability to "top off" a free night certificate with an unlimited number of points from your account. So, for instance, if you wanted to book a hotel that costs 50,000 points per night, you could redeem a free night certificate plus 10,000 points for the room.</p><h2 data-toc-label="Other ways to redeem IHG points">Other ways to redeem IHG points</h2><h3>Opt for airline miles instead of IHG Rewards points</h3><p>If you'd rather receive airline miles for your stays instead of IHG Rewards points, that's an option, though redemption rates vary by airline. IHG has dozens of airline partners, including American Airlines, Alaska Airlines, Delta, JetBlue, and United Airlines.</p><h3>Donate IHG points to charity</h3><p>You can donate IHG points in increments of 2,500, 5,000, or 10,000 to the American Red Cross, Goodwill, CARE International, No Kid Hungry, or the IFRC (International Federation of Red Cross and Red Crescent Societies) to make a difference. </p><h3>Transfer IHG points to a friend </h3><p>There's also an option to transfer IHG points to a friend or family member at a cost of $5 per 1,000 points, or buying them through IHG's website. To avoid the fee, you can use your points to book an award night for others, but you'll have to add the person's name to the reservation when you book online or by phone.</p><h3>Redeem IHG points for gift cards, digital rewards, merchandise, and magazines</h3><p>IHG allows you to turn your points into gift cards from dozens of brands — it's 13,000 points for a $25 gift card and 25,000 points for a $50 gift card — or you can put them toward eBooks, eNewspapers, eMagazines, games, movies, and computer software via IHG's digital rewards catalog.</p><p>You can also shop for jewelry, sports equipment, technology, and health and wellness products through IHG's online catalog. And if you're looking for something to read on the plane, you can redeem IHG points for subscriptions to magazines and newspapers.</p><p>Some of these redemptions are as low as 100 IHG points, so if you haven't had any activity in your account recently, this is a good way to keep your IHG points from expiring.</p><h3>Use IHG points to attend special events</h3><p>Through IHG Auctions, you can redeem IHG points for concerts, sports, special events, or other experiences. </p><h2>IHG Rewards Points Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How many points do you need for a free night at IHG Hotels? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">IHG has many different price points for award night, begin at 5,000 points.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the best elite status at IHG? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Diamond Elite is the highest tier of IHG status that members can earn. Customers can pay $200 to join the InterContinental Ambassador program, which confers instant Platinum status and premium benefits at participating InterContinental hotels. The invite-only Kimpton Inner Circle confers all the benefits of Diamond status plus unique benefits such as waived amenity fees, free nights, guaranteed upgrades and special treat from the chef at Kimpton restaurants.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much are IHG points worth? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">IHG points are worth 0.65 cents apiece on average, according to <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">Business Insider's valuations</a>. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do you have to book through IHG to get points? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can earn IHG points by booking stays directly with the hotel. You can also earn IHG points from co-branded credit cards, or by transferring points from Chase or Bilt. In most cases, you won't earn IHG points if you book your hotel through a third party such as Expedia or <a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-travel" data-analytics-product-module="body_link" rel="">Amex Travel</a>. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Which credit cards transfer points to IHG? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can earn IHG Rewards points from IHG co-branded credit cards. IHG also accepts points from Bilt Rewards and Chase Ultimate Rewards.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/how-to-earn-use-ihg-points-pfi-credit" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/kaeli-conforti" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="kaeli-conforti"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5fae87534652d40019744306?crop=1:1&width=256&format=jpeg&auto=webp" alt="Kaeli Conforti"> <noscript> <img src="https://i.insider.com/5fae87534652d40019744306?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/kaeli-conforti" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Kaeli Conforti</div> </a> <div class="post-author_title headline-regular">Freelance Writer</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Kaeli Conforti is a travel and credit cards expert who writes about the many ways you can maximize loyalty points and airline miles to enhance your travel experience.</span> <span>Before her nearly 2.5-year stint as a digital nomad in Southeast Asia, Australia, and New Zealand, Kaeli was the senior editor at The Points Guy, where she covered all things related to traveling with points and miles and discovered a deep appreciation for credit cards and loyalty programs, especially the many ways cardholders can use their benefits to travel the world for less. Before that, she was the digital editor at Budget Travel. </span> <span><a href="https://kaeliconforti.contently.com/" rel=" nofollow">Kaeli's writing</a> has been featured by Forbes, Thrillist, CNN Travel, NBC News Travel, Fox News Travel, Yahoo Travel, and Huffington Post Travel. She also updated the Outback chapter of the Fodor's Essential Australia guidebook, a feat that resulted in an epic two-month solo road trip through the Northern Territory and remote parts of Western Australia. Follow along with all her travel adventures on <a href="https://www.instagram.com/kaelitravels/" rel=" nofollow">Instagram</a>, <a href="https://twitter.com/KaeliTravels" rel=" nofollow">Twitter</a>, and <a href="https://www.kaelitravels.com/" rel=" nofollow">KaeliTravels.com</a>.<em></em></span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" 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