The 8 Best Credit Cards for IHG One Rewards Loyalists [2026]

The IHG One Rewards program makes it easy to earn free hotel nights and receive elite benefits during all your stays, even at its budget brands. IHG-branded credit cards are popular because they work harmoniously with the IHG One Rewards program. Anyone with an IHG-branded card who frequently visits IHG properties knows the value of this partnership.

The lineup went through a major refresh on October 1, 2026. Chase and IHG reworked the earning rates, benefits, and annual fees, added a new premium card, and renamed 2 cards. There are now 4 IHG credit cards: 3 personal cards and 1 business card.

If you are an IHG loyalist but don’t have an IHG-branded credit card, we’re happy to share many reasons why you should consider pairing a card with your IHG One Rewards membership. Let’s look at how cards from IHG, Chase, and American Express can elevate earnings, provide valuable redemption options, and deliver additional benefits you can use.

Best IHG-Branded Personal Cards

Here’s how the 3 personal cards — the IHG One Rewards Credit Card, the IHG One Rewards Premier Credit Card, and the IHG One Rewards Premier Select Credit Card — compare in terms of earnings, free hotel nights, and core card features. We’ll expand on the additional travel and shopping benefits of each card shortly.

Card Summary

Bottom Line:

Even if you stay occasionally at IHG properties, the IHG Premier card is a strong pick for maximum earnings, an annual fee hotel night, and a Global Entry or TSA PreCheck statement credit. IHG loyalists who stay frequently and want richer credits can find even more value with the IHG Premier Select card.

IHG One Rewards Premier Credit Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The New IHG One Rewards Premier Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent card for IHG fans, offering a free night every year, automatic Gold Elite status, and your fourth night free on award stays.

Apply Now(at Chase's secure site)

The New IHG One Rewards Premier Credit Card

An excellent card for IHG fans, offering a free night every year, automatic Gold Elite status, and your fourth night free on award stays.

Welcome Offer

Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

180,000 points

UP's Offer Valuation*:

$900

Annual Fee

$150

APR

19.24% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

The IHG Premier card offers a great bundle of perks and benefits, including automatic Gold elite status, an annual free night certificate, and travel protections.

Pros & Cons

Pros

• Up to 24x points on IHG stays
• 5x points on flights booked directly and car rental agencies, dining, gas stations, and grocery stores
• 3x points on all other purchases

Cons

• $150 annual fee
• Does not earn transferable points

Read Full Review

Card Highlights

• Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
• Earn up to 24X total points on stays at IHG Hotels & Resorts
• Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.
• Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
• NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
• This card offers over $700 in value your first year!
• Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Kimpton^®, Hotel Indigo^®, Crowne Plaza^®, EVEN^® Hotels, & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

The IHG Premier card is the sweet spot of the personal lineup for most IHG fans. Although it charges a $150 annual fee, it delivers value for the IHG loyalist that can far exceed that annual outlay. Let’s examine the earnings, redemptions, and how the card complements the IHG One Rewards program.

Generous Welcome Offer

Welcome offers change, but you can generally expect a welcome offer good for several free hotel nights in IHG One Rewards after meeting spending requirements within the first 3 months after card approval. Check our card details above for the most current welcome offer.

If IHG is your brand of choice and you have an upcoming visit, securing the IHG Premier card before your hotel stay could be a smart move. Paying for the stay with your new card can help you meet the spending requirement to earn your welcome offer while also getting the benefits of the elite status that comes with the card. You also earn more points, up to 24x points, on IHG purchases.

Elevated Earnings

Purchases you make at IHG properties with your card earn the most rewards points per $1 spent. The IHG Premier card earns IHG points on every purchase you make, including higher earnings on everyday bonus categories:

• Up to 24 points per $1 spent at IHG properties
• 5x points on flights booked directly, car rentals, dining, grocery stores, and gas stations
• 3x points on all other purchases

That headline rate at IHG is built from 3 pieces: 10 points per $1 spent on the card, 10 points per $1 for being an IHG One Rewards member, and 4 points per $1 from the Gold Elite status the card provides.

IHG One Rewards Gold Elite Status

The card comes with automatic IHG One Rewards Gold Elite level status. The card previously included automatic Platinum Elite status. If you’re an existing IHG Premier cardmember, you’ll keep your Platinum Elite status through December 31, 2027.

Gold Elite status delivers benefits such as bonus points on stays, a welcome amenity, and member rates. You can climb higher through spending, too. Spend $15,000 on the card in a calendar year to earn Platinum Elite status, and spend $40,000 to reach Diamond Elite status.

Free Annual Hotel Night

Each year at your IHG Premier card anniversary, you receive a free hotel night certificate that can be redeemed for a night that would typically cost 50,000 points or less. As an IHG Premier cardholder, you can add points from your IHG One Rewards account if the hotel night you select exceeds 50,000 points.

Spending Milestones

Spending on the IHG Premier card unlocks more than better points earnings. When you spend $15,000 on the card in a calendar year, you earn 15,000 bonus points and 5 Elite Night Credits, along with the Platinum Elite status noted above.

Annual Credits

The card’s October 2026 refresh added a set of annual credits to the IHG Premier card, and 2 credits arrive in pieces across the year:

• Food & Beverage Rewards: Receive up to $100 annually, delivered as a $25 voucher each quarter for a drink or meal at IHG hotels. The vouchers are issued quarterly and expire at the end of the quarter if you don’t use them.
• Airline statement credit: You get a $100 annual credit when you spend at least $250 on flights purchased directly with any airline, available each calendar year through December 31, 2027.
• United TravelBank Cash: Receive up to $50 each year, deposited as $25 in January and $25 in July. This benefit requires a United MileagePlus membership and a one-time registration.
• Global Entry, TSA PreCheck, or NEXUS credit: Get reimbursement for the application fee, up to $120 every 4 years.

Bottom Line:

The IHG Premier card offers up to 24x earnings at IHG properties plus 5x earnings on flights booked directly, car rentals, dining, grocery stores, and gas stations. Add a free hotel night at each card anniversary, new annual credits, and the Global Entry, TSA PreCheck, or NEXUS credit, and the card benefits can more than offset the annual fee.

IHG One Rewards Premier Select Credit Card

New to the lineup, the IHG Premier Select card is the top-tier personal IHG-branded option. It carries a $350 annual fee and is built for IHG loyalists who want the richest set of perks. Here’s what you get for that higher fee.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The Brand New IHG One Rewards Premier Select Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays.

Apply Now(at Chase's secure site)

The Brand New IHG One Rewards Premier Select Credit Card

The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays.

Welcome Offer

Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

200,000 points

UP's Offer Valuation*:

$1,000

Annual Fee

$350

APR

19.24% - 27.74% Variable

Why We Like This Card

The IHG Premier Select card is a compelling option for travelers who frequently stay at IHG hotels, and want a card that will help them earn more points on all of their stays, and comes with automatic IHG Platinum Elite status.

Pros & Cons

Pros

• Up to 28x total points on IHG stays
• 6x points on dining and all other travel, including rideshare
• 3x points on all other purchases

Cons

• $350 annual fee
• Food and beverage credits don’t roll over quarter to quarter

Read Full Review

Card Highlights

• Limited Time Launch Offer! Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
• Enjoy up to $300 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
• This card offers over $1,000 in value your first year!
• Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
• Earn up to 28X total points on stays at IHG Hotels & Resorts
• Earn 6X points on dining and all other travel, including rideshare. Earn 3X points per $1 spent on all other purchases.
• Automatic Platinum Elite status as long as you remain an IHG One Rewards Premier Select cardmember. Plus, get 20 Elite Night Credits each year.
• Earn 2 Elite Night Credits for every $5,000 you spend on your card.
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Kimpton^®, Hotel Indigo^®, Crowne Plaza^®, EVEN^® Hotels, & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: 

Elevated Earnings

• Up to 28 points per $1 spent at IHG properties
• 6x points on dining and all other travel, including ride-shares
• 3x points on all other purchases

The IHG Premier Select card’s rate at IHG breaks down as 12 points per $1 from the card, up to 10 points per $1 for being an IHG One Rewards member, and up to 6 points per $1 from the Platinum Elite status the card provides.

Platinum Elite Status and Beyond

The IHG Premier Select card includes automatic Platinum Elite status, which delivers Confirmable Suite Upgrades, a welcome amenity, late checkout, and bonus points on stays. Spend $25,000 on the card in a calendar year to reach Diamond Elite status, IHG’s top published tier.

Richer Annual Credits

• Food & Beverage Rewards: Get up to $300 annually, delivered as a $75 voucher each quarter and subject to the same use-it-or-lose-it quarterly expiration.
• Airline statement credit: Receive a $200 annual credit on flights purchased directly with any airline (minimum $250 per purchase), through December 31, 2027.
• United TravelBank Cash: Get up to $50 each year, deposited as 2 credits of $25 (a United MileagePlus membership and one-time registration are required).
• Global Entry, TSA PreCheck, or NEXUS credit: Get up to $120 every 4 years.

Anniversary Free Night

The IHG Premier Select card comes with an Anniversary Free Night with a redemption cap of 60,000 points, the highest cap in the personal lineup, and you can add points from your account to book a pricier property.

Bottom Line:

The IHG Premier Select card debuted on October 1, 2026, and it’s the choice for frequent IHG guests who can put its up-to-$300 in Food & Beverage Rewards, $200 airline credit, and higher earning rate to work. If you can use these perks, the value can outrun the $350 annual fee.

IHG One Rewards Credit Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The New IHG One Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn up to 17x when you stay at IHG hotels, 3x on dining, gas stations, and grocery stores, and 2x on all other purchases.

Apply Now(at Chase's secure site)

The New IHG One Rewards Credit Card

Earn up to 17x when you stay at IHG hotels, 3x on dining, gas stations, and grocery stores, and 2x on all other purchases.

Welcome Offer

Earn 125,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

125,000 points

UP's Offer Valuation*:

$625

Annual Fee

$0

APR

19.24% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

If you want to enhance your IHG stays with more points and benefits but don’t want to pay an annual fee, consider the IHG One Rewards Credit Card.

This guide provides a detailed overview of the card, including rewards rates and cardholder benefits.

Pros & Cons

Pros

• Up to 17 total points per $1 on IHG stays
• 3 points per $1 on dining, gas stations, and grocery stores
• 2 points per $1 on all other purchases

Cons

• Not as rewarding as the IHG One Rewards Premier Credit Card

Read Full Review

Card Highlights

• Limited Time Launch Offer! Earn 125,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening.
• No Annual Fee
• Earn up to 17X total points on stays at IHG Hotels & Resorts
• Earn 3X points on dining, at grocery stores (new!) and gas stations. Earn 2X points per $1 spent on all other purchases.
• Automatic Silver Elite status as long as you remain an IHG One Rewards cardmember. Plus, enjoy 5 Elite Night Credits annually (new!).
• No Foreign Transaction Fees
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Kimpton^®, Hotel Indigo^®, Crowne Plaza^®, EVEN^® Hotels, & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

Formerly known as the IHG One Rewards Traveler Credit Card, the IHG One Rewards card is the $0-annual-fee entry point to the lineup. When you spend at IHG properties, the earnings aren’t quite as strong as with the fee cards, but for a $0-annual-fee card, you’ll find an earning structure that lets you rack up free hotel nights.

• Up to 17 points per $1 spent at IHG properties
• 3x points on dining, grocery stores, and gas stations
• 2x points on all other purchases

That IHG rate is 5 points per $1 from the card, up to 10 points per $1 as an IHG One Rewards member, and up to 2 points per $1 from the Silver Elite status the card provides.

The IHG One Rewards card does not offer a free night on the card anniversary or a Global Entry, TSA PreCheck, or NEXUS credit. However, it comes with complimentary Silver Elite status and 5 Elite Night Credits each calendar year to give you a head start toward status. If you spend $15,000 on the card in a calendar year, you earn Gold Elite status along with 10,000 bonus points. Starting in 2027, that same $15,000 in annual spending also unlocks a fourth Reward Night free on consecutive 4-night award stays (the benefit kicks in after $5,000 in annual spending).

The card’s best feature is that it has a $0 annual fee but offers additional earning opportunities and travel and shopping benefits.

Hotel-Branded Personal Credit Card Comparison**

If you’re wondering how the IHG personal cards compare to similar hotel-branded cards, this snapshot may provide the answer. Let’s examine the overall earnings and hotel-related benefits provided by each card.

Best IHG-Branded Business Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

The New IHG One Rewards Business Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The IHG Business card is good for business travelers who regularly stay at IHG hotels.

Apply Now(at Chase's secure site)

The New IHG One Rewards Business Credit Card

The IHG Business card is good for business travelers who regularly stay at IHG hotels.

Welcome Offer

Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.

190,000 points

UP's Offer Valuation*:

$950

Annual Fee

$200

APR

19.24% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The IHG One Rewards Business Credit Card is useful for small-business owners who often stay at IHG hotels and resorts.

This review covers the IHG Business card’s earning rates, benefits, fees, and more to help you decide whether it’s a good fit for your business travel expenses.

Pros & Cons

Pros

• Up to 26 total points per $1 spent on IHG properties
• 5 points per $1 spent on flights booked directly, rental cars, dining, gas stations, and select advertising
• 3 points per $1 spent on all other purchases

Cons

• $200 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Limited Time Launch Offer! Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening.
• Earn up to 26X total points on stays at IHG Hotels and Resorts.
• Earn 5X points on flights booked directly, car rental agencies, select advertising, at gas stations and restaurants. Earn 3X points per $1 spent on all other purchases.
• Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
• NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
• NEW! A $100 Airline Statement Credit each year when you spend at least $250 on flights purchased directly with the airline.
• This card offers over $750 in value your first year!
• Automatic Platinum Elite status as long as you remain a Business cardmember. Plus, enjoy 15 Elite Night Credits annually (new!).
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Kimpton^®, Hotel Indigo^®, Crowne Plaza^®, EVEN^® Hotels, & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

If you have a business, even a small business, and you stay at IHG properties, consider the IHG One Rewards Business Credit Card. Packed with bonus earnings on several common business purchase categories, it makes it easy to earn free hotel nights quickly.

Let’s look at how you earn on the IHG Business card:

• Up to 26 points per $1 spent at IHG properties
• 5x points on flights booked directly, car rentals, dining, some advertising, and gas stations
• 3x points on all other purchases

The IHG rate is 10 points per $1 from the card, 10 points per $1 as an IHG One Rewards member, and 6 points per $1 from the Platinum Elite status the card provides.

You can also earn more by spending on the card:

• Spend $50,000 in a calendar year to reach IHG One Rewards Diamond Elite status.
• Spend $60,000 in a calendar year to earn a second Anniversary Free Night.

In addition to the card’s robust earning structure, you receive automatic Platinum Elite status as long as you have the card, an annual free night certificate (for a stay of up to 50,000 points), and special redemption privileges that let you use points to supplement the free night certificate’s value.

Like the personal cards with annual fees, the IHG Business card added new annual credits in the October 2026 refresh: up to $100 in Food &Beverage Rewards (a $25 voucher each quarter), a $100 airline statement credit, and a Global Entry, TSA PreCheck, or NEXUS credit of up to $120 every 4 years. New to this card is a statement credit of up to $100 per year toward Expensify purchases. One benefit went away, though: The IHG Business card no longer offers United TravelBank Cash.

Cardholders also receive the fourth consecutive reward night free and a 30% discount on IHG One Rewards points purchases.

Bottom Line:

The IHG Business card offers many of the features and benefits of the IHG personal cards, along with additional bonus earning categories, including online advertising. The card also offers extra incentives for higher levels of spending.

Additional Features and Benefits of IHG-Branded Cards

So far, we’ve focused on the stellar earning capabilities of IHG-branded cards. Let’s continue with more information on IHG-related benefits, your options at redemption time, and the additional travel and shopping benefits on the cards.

Fourth Night Free

Get a reward night when you redeem points for a stay of 4 or more nights. You can use this benefit more than once during the same stay. For example, book 8 nights and receive the fourth and eighth night free. On the IHG Premier card, IHG Premier Select card, and IHG Business card, the benefit applies when you redeem points for consecutive nights. On the no-annual-fee IHG One Rewards card, the benefit begins in 2027 and requires $5,000 in annual purchases to unlock.

30% Discount on Point Purchases

Need some points to top off your account for an award redemption? With the refresh, IHG-branded cards now provide a 30% discount when you purchase IHG points, up from the previous 20% discount.

Redeeming Your Points

Regardless of the card on which you earn your IHG One Rewards points, you have the same basic redemptions. The best value for redeeming your IHG points is for free hotel nights, but there are additional choices:

• Free hotel nights (starting at 10,000 points per night)
• Points and cash for free hotel nights
• Gift certificates and gift cards
• Transfer to airline partners
• TSA PreCheck fee
• Merchandise
• InterContinental Ambassador membership
• Digital rewards (digital downloads of music, games, and software start at 400 points)
• Donate to charity

In addition to redeeming points for free hotel nights, the IHG Premier card, IHG Premier Select card, and IHG Business card allow you to supplement your annual free hotel night certificate with your IHG One Rewards points when a hotel costs more than the certificate’s cap.

Not all redemptions are a good value. Those that involve redeeming points for free hotel nights generally deliver the best value. A redemption that yields just 0.5 cents per point is poor value, and 1 cent per point or more can be considered a good redemption.

Bottom Line:

While you have several options for redeeming your IHG One Rewards points, including transferring them to airline partners, you receive the most value when redeeming your points for free hotel nights.

Travel and Shopping Benefits and Protections

Your IHG-branded card makes staying at IHG properties more rewarding, but the cards also come with a long list of valuable benefits and protections.

Travel Benefits and Protections

• Trip interruption and trip cancellation coverage
• Automobile rental coverage (decline the rental agency’s coverage and receive secondary coverage when your entire rental is paid with the card; coverage is primary on the IHG Business card when you rent for business purposes)
• No foreign transaction fees
• Lost luggage or baggage delay coverage
• Travel accident insurance
• Travel and emergency assistance services

Shopping Protections and Benefits

• Purchase protection
• Extended warranty
• Complimentary Instacart+ membership and monthly credit: Receive a 3-month complimentary Instacart+ membership and a $10 monthly Instacart credit with an active Instacart+ membership to use on an order with your eligible card. Benefits end December 31, 2027.

Hot Tip:

You can find full coverage terms and conditions in your card’s guide to benefits.

IHG One Rewards Elite Status

All IHG-branded cardholders receive complimentary IHG One Rewards elite status, with an option to earn higher status by spending on the card. The IHG One Rewards card includes Silver Elite status, the IHG Premier card includes Gold Elite status, and both the IHG Premier Select card and IHG Business card include Platinum Elite status.

Let’s glance at an overview of what it takes to qualify for IHG One Rewards elite status and what some of the benefits look like at each level:

Beyond Platinum, IHG’s top published tier is Diamond Elite, which cardholders can reach through spending: $40,000 on the IHG Premier card, $25,000 on the IHG Premier Select card, and $50,000 on the IHG Business card in a calendar year.

Elite benefits include features such as elite rollover nights, 2 p.m. late checkout, room upgrades, complimentary breakfast at some brands, and guaranteed room availability. For elite member award redemptions, reward nights count toward elite status. There are no blackout dates for reward nights, and points don’t expire as long as you hold elite status.

Bottom Line:

Every IHG-branded card comes with IHG One Rewards elite status, with the option to upgrade to a higher elite status by spending on the card.

Alternative Cards To Consider

If you travel frequently, you can reap additional benefits by selecting a travel rewards credit card that can be paired with an IHG-branded card. Travel rewards cards can deliver benefits such as elevated earnings for travel purchases, lounge access, elite status, and statement credits.

Let’s look at some of our top choices and why we like them for IHG loyalists.

Chase Sapphire Reserve^®

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card ranks as one of our favorite travel rewards cards. You earn valuable Ultimate Rewards points for every $1 you spend on the card and have several flexible redemption options when it comes time to utilize your points.

In addition, the Chase Sapphire Preferred^® Card offers fantastic travel benefits, including lounge access, statement credits for hotels, entertainment, and more, as well as travel insurance.

Why We Like the Card for IHG Loyalists

• Complimentary IHG One Rewards Platinum Elite status, with the ability to earn IHG One Rewards Diamond Elite status after you spend $75,000 in a calendar year
• Earn 8x points on all Chase Travel purchases, 5x points on Lyft rides (through September 2027), 4x points on flights and hotels booked directly, and 3x points on all dining purchases worldwide
• $300 annual travel credit
• $500 annual credit with The Edit
• Transfer points to the Chase travel partners (including IHG One Rewards)
• Trip cancellation, interruption, and trip delay coverage
• No foreign transaction fees

Bottom Line:

The Chase Sapphire Reserve card makes a worthy companion to any hotel rewards card, including the IHG-branded cards.

Sapphire Reserve for Business℠

OFFER EXTENDED

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

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Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (up to $1 million per anniversary year starting 11/15/2026, then 1x)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The Chase Sapphire Reserve Business card should be a top choice for business owners who can maximize annual credits for travel, business purchases, and more.

Why We Like the Card for IHG Loyalists

• Complimentary IHG One Rewards Platinum Elite status, with the ability to receive IHG One Rewards Diamond Elite status if you spend $120,000 on the card in a calendar year
• 8x points on Chase Travel for airline tickets, hotels, including The Edit, car rentals, cruises, activities and tours, 5x total points on Lyft rides through September 30, 2027, and 4x points on flights and hotels booked directly
• $300 annual travel credit
• $500 annual credit for The Edit by Chase Travel
• $100 Giftcards.com credit

Platinum Card^® from American Express

BEST OFFER

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates & fees)
• Airline credit does not cover airfare (only incidentals like checked bags).

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4pm late check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary, and you may not be eligible for an offer.

For frequent travelers who appreciate luxury travel benefits, the Amex Platinum card is worth considering. The card excels in providing luxury benefits, including worldwide lounge access, hotel elite status, statement credits for purchases, and more.

Why We Like the Card for IHG Loyalists

• Get worldwide lounge access to over 1,550 properties, including the prestigious Centurion Lounge network.
• Earn 5x Membership Rewards points for flights purchased directly with the airline or with AmexTravel.com and premium flights booked through Platinum Member Airfares (up to $500,000 per year then 1x).
• Earn 5x Membership Rewards points per $1 spent on prepaid hotels booked with AmexTravel.com.
• Transfer points to one of the American Express transfer partners.
• Get hotel elite status with Marriott Bonvoy, Hilton Honors, and Leaders Club (upon enrollment)
• Receive access to Platinum Nights by Resy.
• Get statement credits for lululemon, Resy, airline incidentals, CLEAR+, prepaid hotels, digital entertainment, Oura Ring, Equinox, Uber Cash, TSA PreCheck or Global Entry, and more (enrollment required for some benefits).
• Receive travel insurance, including trip cancellation and interruption, and trip delay insurance, when you pay for trips with your card.
• Pay no foreign transaction fees (rates & fees).

Frequently, we find that a single travel rewards card does not cover all your travel needs for earning maximum rewards and delivering benefits. Selecting the best combination involves matching your own personal travel preferences.

With that in mind, review our list of the best travel rewards cards to find the perfect card for supplementing your IHG-branded card.

Ink Business Preferred^® Credit Card

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Business owners, even small-business owners, can benefit from a Chase business credit card. Every purchase you make earns valuable rewards that can offset business expenses or fund a personal vacation.

One of our favorite business credit cards is the Ink Business Preferred card, which earns valuable Chase Ultimate Rewards points.

Why We Like the Card for IHG Loyalists

• 3x points earned for travel purchases, internet, cable, and phone, shipping, and advertising purchased through certain social media and search engines (maximum $150,000 in purchases per year)
• Ultimate Rewards points earned on the card can be transferred to IHG, though the ratio is 1:1 and it’s not a good use of your points (an exception might be to top off your IHG account for a specific redemption)
• Primary automobile rental coverage
• Trip interruption, cancellation, and delay coverage
• Cell phone protection

Though you won’t receive any direct IHG benefits from having the Ink Business Preferred card, the business traveler can reap plenty of benefits from earning and redeeming Ultimate Rewards points. Plus, the travel protections on the card can offer great value.

Final Thoughts

IHG Hotels & Resorts, its associated IHG One Rewards program, and an IHG-branded card can provide exceptional value, even for the occasional traveler. If you’re a road warrior, a family weekend traveler, or travel primarily domestically, you’re likely to find even more reasons to consider the combination.

With its Holiday Inn Express brand, for instance, you can expect a clean, well-located hotel with an adequate breakfast for your family. You may also be able to secure free nights for as few as 10,000 points at that IHG brand (and others).

International travelers may also find value with IHG. Several IHG brands can offer essential airport locations, comfortable city budget lodging, or centrally located, midlevel accommodations.

Regardless of the level of your relationship with IHG, IHG One Rewards and an IHG-branded card can offer value, and it doesn’t take a high level of exposure to the brand to benefit from the combination.