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Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. Plus, earn 10,000 bonus points after you add an authorized user to your account in the first 3 months from account opening.
Full benefits & perks
- CURRENTLY: Fourth night free for cardholders when you redeem points for a consecutive four-night IHG stay. STARTING IN 2027: Spend $5,000 on purchases in a calendar year and unlock a 4th Reward Night free when you redeem points for a consecutive four-night stay. This benefit will be available for the remainder of the year you qualify and the subsequent calendar year.
- Complimentary IHG One Rewards Silver Elite status
- Path to Gold Elite status after spending $15,000 and making one additional purchase in a calendar year
- NEW! Get 5 Elite Night Credits (ENC) on your account opening and at the start of each calendar year, providing a head start towards a Milestone Reward and your next status tier
- IHG points redeemable at 6,000+ hotels including InterContinental, Kimpton, Crowne Plaza, Holiday Inn, Hotel Indigo, and more
- No annual fee
- No foreign transaction fees
Credit card information was independently collected and not reviewed or provided by the issuer.
My thoughts
This card is great for someone who wants to dip their toes into IHG without paying an annual fee. Having no fee means there's no downside to keeping it open forever, and the fourth night free on award stays is genuinely valuable for longer trips - but note the spending requirement change in 2027. The welcome offer has a low spending requirement, which is nice. That said, if you stay at IHG more than once a year, I'd really encourage you to look at the Premier card instead. That's the one I have. The annual free night certificate alone is usually worth more than the annual fee.
How to use your points
IHG One Rewards points are best used for free hotel nights at IHG properties. Here are the best ways to use them:
- Book free nights at Holiday Inn, Holiday Inn Express, Crowne Plaza, Kimpton, InterContinental, and more
- Use the fourth night free perk — pay points for 3 nights and get the 4th free on consecutive award stays
- Use Points & Cash awards to stretch your stash further
A solid no-fee card with a great welcome offer, but the Premier is a better long-term choice for most IHG fans.
- No annual fee means zero risk — open it, earn the bonus, keep it forever
- The welcome offer is generous for a no-fee card, especially with the low spending requirement
- If you stay at IHG more than once a year, the Premier card is probably worth the $150
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.