MoneyGeek's Take

Best Hotel Credit Cards for IHG Loyalists in 2022

The top IHG Rewards Club credit cards typically come with spend-based welcome offers that let you earn bonus points. Whether or not you need to pay an annual fee depends on the card you select.

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This article is part of our larger series on Best Hotel Credit Cards

While Chase provides credit cards for IHG loyalists, its offerings are limited to personal users and not businesses. These cards offer higher-than-usual reward rates when you spend at IHG Hotels and Resorts and on a few bonus categories.

It is common for top IHG Rewards Club credit cards to provide bonus points through spend- and time-based welcome offers. IHG-specific perks vary from one card to the next. For example, while the Chase IHG Rewards Club Premier Card comes with a free anniversary night each year, the Chase IHG Rewards Club Traveler Card does not.

Using any of the existing IHG Rewards Club credit cards outside of the U.S. is ideal as they come with no foreign transaction fees. Other factors you need to consider when selecting a suitable card include annual fees, APRs and added benefits.

This article is part of our larger series on
Best Hotel Credit Cards

MoneyGeek’s Take: Top 2 IHG Rewards Club Credit Cards

Quick Summary

You stand to earn high reward rates at IHG Hotels and Resorts as well as on bonus categories no matter which of the top IHG Rewards Club cards you select. However, the reward rates on offer are not the same. Selecting the right card requires that you also pay attention to other important aspects such as welcome offers, annual fees, IHG-specific perks and APRs.


  • Chase IHG Rewards Club Premier

    A fantastic card for earning rewards when you stay at IHG hotels and resorts.


    • Good-ExcellentCredit Needed
    • $89Annual Fee
    • 1–25 Points per $1*Rewards Rate
    • 25xRewards Rate at Hotels
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

  • Chase IHG Rewards Club Traveler

    Great card for earning points fast for IHG loyalists


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1–2 Points per $1Rewards Rate
    • 15xRewards Rate at Hotels
    • 2xRewards Rate on Gas

    Terms, rates and fees apply

Summary of the Best Hotel Cards for IHG Loyalists

Go through the corresponding IHG Rewards Club credit cards comparison table to determine how these cards fare against each other based on parameters such as annual fees, reward rates and the credit needed to apply.

>>MORE: BEST CREDIT CARDS FOR MARRIOTT LOYALISTS IN 2022
  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Chase IHG Rewards Club Premier
    A fantastic card for earning rewards when you stay at IHG hotels and resorts.
    1–25 Points per $1*
    $89
    Good-Excellent
  • Chase IHG Rewards Club Traveler
    Great card for earning points fast for IHG loyalists
    1–2 Points per $1
    $0
    Good-Excellent
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MONEYGEEK EXPERT TIP

While the IHG Premier Card charges an annual fee, it comes with automatic Platinum Elite status and includes an annual free night certificate worth up to 40,000 points. These two benefits easily justify the card's annual fee if you plan on staying at an IHG hotel this year. -- Lee Huffman, credit card expert at BaldThoughts.com

About Our Rankings

Every month, experts at MoneyGeek review all new and existing cards from this category. They arrive at an updated list of the top credit cards for IHG loyalists after comparing all available alternatives across parameters such as points per dollar rates, welcome offers, annual fees, APRs, foreign transaction fees and added benefits.

If you’re looking at earning reward points for staying at hotels as a business owner, you might benefit by checking what the best hotel credit cards for businesses have to offer.

Top Rating Criteria for Hotel Cards

rewards
Rewards Rate at Hotels
signupBonus
Welcome Offer
annualFee
Annual Fee

How to Compare Hotel Credit Cards & Intro Offers

While you don’t get many options to choose from, the IHG credit cards currently on offer come with varied features and benefits. As a result, selecting one requires paying attention to different aspects.

1

Rewards Rate

The Chase IHG Rewards Club Traveler Card lets you earn up to 15x points at IHG Hotels and Resorts; 2x points at restaurants, grocery stores and gas stations; and 1x points on all other purchases. If you get the Chase IHG Rewards Club Premier Card, you earn up to 25x points at IHG Hotels and Resorts. Reward rates on the other bonus categories are the same as the IHG Rewards Club Traveler Card.

2

Welcome offers

You might stand to earn bonus points if you meet some basic spend-based requirements as a new cardholder. For example, spending $2,000 on purchases within the first three months might qualify you to earn 80,000 bonus points.

3

Annual fees

The IHG Rewards Club Traveler Card makes for a good no-annual-fee alternative. The IHG Rewards Club Premier Card charges an $89 annual fee.

4

IHG Elite status

These vary depending on the card you get. If you spend $10,000 or more on purchases by using your IHG Rewards Club Traveler Card, you get Gold Elite status that remains valid until the end of the following year. The Chase IHG Rewards Club Premier Card offers complimentary Platinum Elite status just for being a cardholder, which includes perks like 50% bonus points on paid stays, elite rollover nights and complimentary room upgrades.

5

Fourth night free on award stays

Both the Traveler and the Premier Card offer the fourth night free when booking a stay of four or more nights with your points. This benefit is a savvy way to get even more value from your rewards.

6

APRs

If you plan to roll balances over from one billing cycle to the next, you might be better off looking at what low-interest credit cards have to offer. This is because the interest you end up paying might overshadow the value of the rewards you earn.

7

Foreign transaction fees

The credit cards for IHG loyalists currently on offer come with no foreign transaction fees. However, this aspect requires your attention if you plan to get any other credit card that offers high reward rates on spending at hotels.

8

Additional benefits

Other card-specific benefits include purchase protection, baggage delay insurance, lost luggage reimbursement, trip cancellation/trip interruption insurance and Global Entry/TSA PreCheck fee credit.

Further Reading

About the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.