IHG One Rewards Credit Cards: Limited-Time Offers and Benefits (until March 19, 2025)

IHG is currently presenting limited-time offers on its credit cards, allowing travelers to maximize their rewards. In this article, we will take a closer look at these promotions and highlight the key benefits of each.

IHG One Rewards Premier Credit Card

Current Offer

New applicants can earn 170,000 bonus points after spending $4,000 within the first three months of account opening. This offer is valid until March 19, 2025, and the card carries a $99 annual fee.

Comparison with Previous Offers

The standard welcome bonus for this card has typically been 140,000 points after spending $3,000 in the first three (3) months. At the beginning of last year, there was also a similar proposal. 

Key Benefits

• Earning Rates:

• Up to 26X total points per $1 spent at IHG Hotels & Resorts.

• 5X points per $1 spent on travel, dining, and gas stations.

• 3X points per $1 spent on all other purchases.

Although it has an annual fee of $99, if you stay at IHG hotels at least a few times a year, it makes sense because you get these benefits:

• 1 free night each year, worth up to 40,000 points (with the option to increase the value to redeem for a more expensive night).
• Automatic upgrade to IHG Platinum Elite status (with the option to upgrade to Diamond Elite after $40,000 spend in a calendar year)
• A fourth reward night free when redeeming points for a consecutive four-night stay.
• No foreign transaction fees.
• Earn a $100 statement credit + 10,000 bonus points after spending $20,000 each calendar year.
• Receive a statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fees.
• Up to $50 United Airlines TravelBank Cash each year.
• Save 20% when you buy points.

For a full list of benefits, see the article – IHG & Chase Introduce New Credit Cards and Huge Bonus Point Offers.

IHG One Rewards Traveler Credit Card

Current Offer

New cardholders can earn 100,000 bonus points after spending $2,000 within the first three months of account opening. This offer is also valid until March 19, 2025, and the card has no annual fee.

Comparison with Previous Offers

Historically, the standard bonus for this card has been 80,000 points after spending $2,000 in the first three months. In 2024, an elevated offer provided 100,000 bonus points under the same spending conditions.

Key Benefits

This card has no annual fee, but the welcome bonus and benefits are less than the IHG One Rewards Premier Credit Card. let’s take a closer look:

• Earning Rates:

• Up to 17X total points per $1 spent at IHG Hotels & Resorts.

• 3X points per $1 spent on monthly bills, gas stations, and dining.

• 2X points per $1 spent on all other purchases.

• Additional Perks:

• Automatic Silver Elite Status.

• 4th Night Free on redemption.

• No foreign transaction fees.

• Opportunity to earn 10,000 bonus points after spending $10,000 each calendar year.

Choosing the Right Card

Both cards offer valuable benefits tailored to different types of travelers. The Premier Card, with its higher bonus and additional perks, is ideal for frequent travelers who can leverage the annual free night and Platinum Elite Status. Conversely, the Traveler Card, with no annual fee, suits occasional travelers seeking to earn rewards without a financial commitment.

Prospective applicants should assess their travel habits and spending patterns to determine which card aligns best with their goals. These limited-time offers provide an excellent opportunity to maximize rewards, especially for those planning upcoming travel.

Conclusion

When considering IHG One Rewards credit cards, it’s important to be aware of certain application restrictions. Chase’s 5/24 rule applies to these cards, meaning if you’ve opened five or more personal credit card accounts from any issuer in the past 24 months, your application is unlikely to be approved.

Additionally, if you currently hold any IHG personal credit card—including discontinued ones like the IHG One Rewards Select credit card—or have received a new cardmember bonus from any IHG personal credit card within the last 24 months, you are ineligible for another IHG personal card’s bonus.

Given the current attractive welcome offers, now may be an opportune time to apply, provided you meet the eligibility criteria.