IHG One Rewards Credit Card (2024)

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisem*nt. Review offer details before you apply.

140,000 Bonus Points After You Spend $3,000 On Purchases In The First 3 Months From Account Opening: This new cardmember bonus offer is not available to either (i) current cardmembers of this business credit card, or (ii) previous cardmembers of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your IHG One Rewards account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Chase may close your credit card account or suspend your right to use your credit card account, at any time for any reason, including account inactivity.

Points to Nights: Some properties are subject to resort fees. IHG hotel prices are not static and fluctuate day-to-day. As a result the number of IHG One Rewards points that must be redeemed for a Reward Night will also vary from day-to-day and will be different at different hotels.

Earning Points: Rewards Program Agreement: For more information about the IHG One Rewards Premier Business card rewards program, view the latest Rewards Program Agreement (PDF)Opens in same window. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.comOpens in same window.
How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an IHG One Rewards credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 10 points (“10X points”): You’ll earn 10 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards. Go to ihg.com/termsOpens overlay, as applicable, for a list of hotels participating in IHG One Rewards. You will only receive the accelerated earn of 10 points for each $1 spent from this credit card program. IHG One Rewards is responsible for ensuring all hotels participating in IHG One Rewards are correctly reported to Chase for earn on IHG One Rewards credit card purchases. Additional points received under the IHG One Rewards program for stays at hotels participating in IHG One Rewards will be earned in accordance with the IHG One Rewards Membership Terms and Conditions. 5 points (“5X points”): You’ll earn 5 points for each $1 spent on purchases in the following rewards categories: travel (excluding purchases made at hotels participating in IHG One Rewards that qualify for 10 points as described above); dining at restaurants including takeout and eligible delivery services; social media and search engine advertising; office supply stores; and gas stations. 3 points (“3X points”): You’ll earn 3 points for each $1 spent on all other purchases. Information about earning/transferring points to IHG One Rewards: Points earned during a billing cycle are automatically transferred to IHG One Rewards after the end of each billing cycle. Points expiration: The points transferred to your IHG One Rewards account will not expire as long as there is IHG One Rewards program activity for 12 consecutive months, depending on your status. IHG One Rewards Membership terms and conditions apply. For complete program details, visit ihg.com/termsOpens overlay. Losing points: You’ll immediately lose all points that haven’t been transferred to IHG One Rewards if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQsOpens in same window.

Earning Points from IHG: IHG One Rewards members earn on qualifying stays and eligible charges at IHG^® Hotels and Resorts in the following manner: Members earn 10 points per $1 spent and Platinum Elite members earn an additional 6 points per $1 spent (60% bonus), except at Candlewood Suites^® and Staybridge Suites^® where members earn 5 points per $1 spent and Platinum Elite members earn an additional 3 points per $1 spent (60% bonus), IHG^® Army Hotels where members earn 3 points per $1 spent and Platinum Elite members earn an additional 1.8 points per $1 spent (60% bonus), and IHG^® Residence properties where members earn 2.5 points per $1 spent and Platinum Elite members earn an additional 1.5 points per $1 spent (60% bonus). All point deposits will be totaled and rounded to the nearest whole number. IHG One Rewards members earn on qualifying stays at The Venetian^® Resort Las Vegas in the following manner: Members earn 2,000 points per qualifying stay. Stays must be booked on a direct IHG^® booking channel such as ihg.comOpens overlay in order to qualify. Points earned with your IHG One Rewards membership and Platinum Elite status will post directly to your IHG One Rewards account and will not appear on your Chase credit card statement. For complete program details, visit ihg.com/termsOpens overlay.

Platinum Elite Status: As an IHG One Rewards Premier Business credit cardmember, you qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a Premier Business credit cardmember, and as long as your IHG One Rewards membership account remains in good standing. Please allow 6 to 8 weeks after account opening for the automatic Platinum Elite status to be applied to your IHG One Rewards account.

Redeem Three Nights, Get Fourth Reward Night Free: For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. If 4th Reward Night Free reservation is cancelled, or check-out occurs before the 4th night, the 4th Reward Night is forfeited and has no cash or point value. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually. You are responsible for all incidental charges such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged. IHG One Rewards Reward Night terms and conditions apply. Offer does not apply to paid stays or Points & Cash bookings. Chase is not responsible for offer fulfillment.

Anniversary Free Night: Anniversary Free Night will be available for redemption on your account anniversary date each year. “Account anniversary date” is the date that is twelve months after your account open date, and the same date each twelve months thereafter. Anniversary Free Night is valid at IHG^® Hotels and has a point redemption value of 40,000 points or less (covers one standard room night and tax only), with the ability to add on points from your IHG One Rewards account to redeem your Anniversary Free Night at hotels above the 40,000 point redemption level. Anniversary Free Night must be redeemed, and stay must be completed, within 12 months from date of issue. Visit ihg.comOpens overlay to view current redemption rates. You are responsible for all incidental charges such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged. Rooms are limited, subject to prior sale and availability of allocated resources and may be unavailable during high demand periods. All reservations that will utilize the Anniversary Free Night can be booked online at ihg.comOpens overlay or by calling IHG One Rewards at 1-877-318-5890. Anniversary Free Night may not be transferred, extended beyond the expiration date, redeemed for cash, or re-credited for points. Individual hotel’s cancellation policy applies to the use of the Anniversary Free Night. Cancellation fees apply if cancellation is made outside of the hotel’s cancellation time period. Anniversary Free Night rules and regulations are subject to change. To receive Anniversary Free Night communications, members must maintain a valid email address in the IHG One Rewards member profile and opt in to receive IHG One Rewards e-communications. Chase is not responsible for offer fulfillment.

Global Entry or TSA PreCheck^® or NEXUS Application Fee Statement Credit
You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck^® or NEXUS) application fee is charged to your IHG One Rewards Premier Business Credit Card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck^® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck^® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/Opens overlay. Websites and other information provided by government agencies are not within Chase’s control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment.
TSA PreCheck^® trademark is used with the permission of the U.S. Department of Homeland Security.

$100 statement credit and 10,000 bonus points each calendar year: You’ll receive a $100 statement credit and 10,000 bonus points each calendar year during which you spend at least $20,000 in purchases. “Calendar year” means January 1 through December 31 of that same year. Purchases are when you, or an authorized user, use an IHG One Rewards Premier Business Credit Card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. After qualifying, please allow 6 to 8 weeks for bonus points and statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$50 United Airlines TravelBank Cash: Must be an IHG One Rewards Premier or Premier Business cardmember to be eligible for this benefit. Each calendar year, the primary cardmember will receive one $25 United^® TravelBank cash deposit in their United MileagePlus^® account on or about January 5, and another $25 United^® TravelBank cash deposit on or about July 5, subject to the requirements and restrictions below. Cardmembers must complete a one-time registration to receive this benefit. Registration is available at ihg.com/united Opens overlay. The registration must be made through the Cardmember’s IHG One Rewards account. Only one registration per IHG^® account is permitted. If the cardmember is not already a United MileagePlus^® member, they must first enroll in the MileagePlus^® program on united.comOpens overlay. If a cardmember’s membership in United’s MileagePlus^® program is terminated, the cardmember will no longer be eligible to receive this benefit. For complete details about the MileagePlus Program, go to united.comOpens overlay.
Please allow up to two (2) weeks after registration for this benefit for the first $25 deposit of United^® TravelBank Cash into the cardmember’s MileagePlus^® account. TravelBank Cash that is received as part of this benefit and deposited between January 1 and June 30 will expire on July 15 of the same calendar year, regardless of deposit date. Deposits made between July 1 and December 31 will expire on January 15 of the following calendar year, regardless of deposit date. Offer subject to change.
United^® TravelBank Cash accrued, awards, and benefits issued are subject to change and are subject to the rules of the United^® TravelBank program and the rules of the United^® MileagePlus Program, which are expressly incorporated herein. United may change the United^® TravelBank program including, but not limited to, rules, regulations, travel awards and special offers or terminate the United^® TravelBank program at any time and without notice. United^® and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Earning TravelBank Cash does not count toward qualification for MileagePlus Premier^® status. The accumulation of TravelBank Cash does not entitle members to any vested rights with respect to the TravelBank program or MileagePlus program. All calculations made in connection with the TravelBank program, including without limitation with respect to the accumulation of TravelBank Cash, will be made by United^® Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the TravelBank program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.comOpens overlay website and the TravelBank program rules. United^® and MileagePlus are registered service marks. For complete details about the TravelBank program, go to united.comOpens overlay. Chase is not responsible for offer fulfillment.

Diamond Elite Status: Each Calendar Year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite Status through December 31 of the following year. “Calendar year” means January 1 through December 31 of that same year. Purchases are when you, or an authorized user, use IHG One Rewards Premier Business Credit Card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn IHG One Rewards points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to 8 weeks after qualifying for the Diamond Elite Status award to be applied to your IHG One Rewards account. To qualify for and maintain Diamond Elite Status your account must be open and not in default. If you do not qualify for this bonus offer, in order to receive Diamond Elite benefits you must qualify for Diamond Elite Status under the terms of the IHG One Rewards program. Only one IHG One Rewards Credit Card account per IHG One Rewards member is eligible for the Diamond Elite Status award. Rewards member must be the primary cardmember on the qualifying credit card account. Chase Bank, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the Diamond Elite benefits and services.

Free Night Each Calendar Year: To qualify and receive 1 additional Free Night each calendar year, you must make purchases totaling $60,000. “Calendar year” means January 1 through December 31 of that same year. The Free Night is valid at IHG^® Hotels and has a point redemption value of 40,000 points or less (covers one standard room night and tax only), with the ability to add on points from your IHG One Rewards account to redeem your Free Night at hotels above the 40,000 point redemption level. Free Night must be redeemed, and stay must be completed, within 12 months from date of issue. Visit ihg.comOpens overlay to view current redemption levels. You are responsible for all incidental charges such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged. Rooms are limited, subject to prior sale and availability of allocated resources and may be unavailable during high demand periods. All reservations that will utilize the Free Night can be booked online at ihg.comOpens overlay or by calling IHG One Rewards at 1-877-318-5890. Purchases are when you, or an authorized user, use an IHG One Rewards Premier Business Credit Card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. After qualifying, please allow up to 8 weeks for your 1 Free Night to be deposited into your IHG One Rewards Premier Business account. Free Night may not be transferred, extended beyond the expiration date, redeemed for cash, or re-credited for points. Individual hotel’s cancellation policy applies to the use of the Free Night. Cancellation fees apply if cancellation is made outside of the hotel’s cancellation time period. Free Night rules and regulations are subject to change. To receive Free Night communications, members must maintain a valid email address in the IHG One Rewards member profile and opt in to receive IHG One Rewards e-communications. Chase is not responsible for offer fulfillment.

Save 20% On Points Purchases: Save at least 20% on points purchases when you pay for those points with your IHG One Rewards Premier, Premier Business or Traveler Credit Cards. Point purchase amounts are subject to change by IHG One Rewards. These points are Non-Elite Qualifying points. Upon completion of the points purchase, you agree that the total dollar price of the points, minus the discount, will be immediately charged to your credit card. The cost for the points purchased is non-refundable. The 20% discount cannot be combined with any other points purchase offer. Point purchase transactions managed by Points.comOpens overlay.

Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

IHG ONE REWARDS PROGRAM INFORMATION
Points accrued and awards issued are subject to the terms and conditions of the IHG One Rewards program. Click hereOpens overlay for complete terms and conditions of the IHG One Rewards program, including all redemption values, or refer to ihg.com/termsOpens overlay. Terms and conditions of the IHG One Rewards program may be modified and services and benefits may be added or deleted at any time without notice to Cardmembers. Individuals whose request for a credit card are not approved will not be enrolled in the IHG One Rewards program through this offer, although existing IHG One Rewards memberships will not be affected. Additional authorized users will not be enrolled in the IHG One Rewards program as a result of this offer. IHG One Rewards points awarded through the use of the authorized user’s card will only be credited to the Primary Cardmember’s IHG One Rewards account.

IHG One Rewards Premier Business credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.