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The New IHG One Rewards Credit Card
Welcome Offer
How to Earn Rewards
5x
for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards
3x
for each $1 spent on grocery stores, gas stations, and dining at restaurants including takeout and eligible delivery services, plus utilities; internet, cable, and phone services; and select streaming services through 12/31/26. Starting 1/1/27, those categories earn 2x.
2x
for each $1 spent on all other purchases
Key Benefits
Terms Apply
Tap any benefit to see details.
4th Reward Night Free on Stays of 4+ Nights
When you redeem points for any consecutive stay of 4 or more nights at an IHG hotel, the 4th reward night is free. Starting in 2027, requires $5,000 in purchases each calendar year; the benefit lasts the rest of that year and the following year.
Automatic IHG Silver Elite Status
Automatic IHG One Rewards Silver Elite status as long as you remain an IHG One Rewards cardmember.
5 Automatic Elite Night Credits each year
5 Elite Night Credits (“ENC”) in your IHG One Rewards account within 6-8 weeks upon opening your IHG One Rewards Credit Card from Chase®. After that, the 5 ENCs will be deposited into your IHG One Rewards account by February 1 each calendar year.
Spend Bonuses
$15,000 in purchases each calendar year earns Gold Elite status (rest of that year + following year) and 10,000 bonus points.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
Decent for a no-annual fee card.
Unlike the version with an annual fee, this one does not come with any annual free night and requires you to spend $5,000 to get your 4th night free on IHG award stays.
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 80,000 Bonus Points | $2,000 in 3 months | Standard |
| Up to 125,000 Bonus Points (90K + 35K)Elevated | $2,000 in 3 months, then $4,000 total in 6 months | Ended Summer 2026 |
| 2 Free Nights + 40,000 Bonus PointsElevated | $2,000 in 3 months | Ended October 2025 |
| 120,000 Bonus PointsElevated | Standard spend req | Ended July 2025 |
