Chase IHG® Rewards Club Select Credit Card Review

"Get More IHG Free Nights!"

The card allows you to earn points in lots of common categories, while also giving you at least 1 free night per year and Platinum Elite status!

Card Summary Table

The Ideal Cardholder

Whether you travel for business or pleasure, there’s nothing like a comfortable room waiting for you at the end of the day.

With over 4,900 hotels in nearly 100 countries, IHG hotels has the rooms you want when you need them.

Plus, if you like earning points for access to a variety of great benefits, you’ll want to check out the Chase IHG® Rewards Club Select Credit Card.

Relax at Hotel with Family and Use Chase IHG Club Rewards Select
If you’re planning some travel with the family or for work, you may want to consider the Chase IHG® Rewards Club Select Credit Card. You can earn more points and build up for a rewards trip for your next vacation!

Sign-Up Bonus, Add a User, and Points

Sign up for the Chase IHG® Rewards Club Select Credit Card and get sign up bonus points after spending the required amount in the allotted time (see above card summary table for details).

Stay at IHG hotels and earn 5 points for every $1 you spend. Plus, earn 2 points per every $1 you spend at grocery stores, gas stations, and restaurants.

All other purchases get you 1 point per $1 spent. The card will cost you $49 per year, but this fee is waived for the first year.

Bottom Line:  The Chase IHG® Rewards Club Select Credit Card earns 5x points at IHG hotels, 2x points at grocery stores, gas stations, and restaurants, and 1x points everywhere else!

Chase IHG® Rewards Club Select Credit Card Benefits: Points Rebates and Elite Status

There is no shortage of benefits with the Chase IHG® Rewards Club Select Credit Card.

First, you automatically start out with Platinum Elite status, and you keep this status for as long as you remain a cardmember.

Platinum Elite members receive a 50% bonus on all qualifying stays, complimentary room upgrades, and more.

Move up to the next tier (Spire Elite) to get a 100% bonus on stays. You’ll need 75 nights or 75,000 points during the calendar year to qualify.

Plus, as a card member, you get a 10% rebate on point redemptions. When considering this, your annual earnings rates are effectively increased by 10%.

For instance: spend 20,000 points on a room, get 2,000 back. Spend 30,000 points, get 3,000 back…all the way up to a maximum of 100,000 points back each year.

And that’s not all: you’ll pay no annual fee for your first year as a cardmember. After that, the fee is only $49/year.

Bottom Line: Platinum Elite status, redemption rebates, and no annual fee the first year are all part of the package for getting the Chase IHG® Rewards Club Select Credit Card!

IHG Rewards Club Membership: Earning Loyalty Points

If you enroll in the IHG Rewards Club during a stay at any IHG hotel worldwide, you earn 1,000 points for that stay.

In the future, you earn 5 or 10 base points per $1 depending on the property. See the following table for a list of properties and their point rate.

Hotel Base Points per $1
Crowne Plaza Hotels & Resorts 10
Hotel Indigo 10
Holiday Inn Hotels & Resorts 10
Holiday Inn Express 10
InterContinental Hotels & Resorts 10
Staybridge Suites 5
Candlewood Suites 5

You also earn 2,000, 1,300, or 600 points per qualifying stay at ANA partner hotels.

Free Night Stay Every Year, With 1 Caveat

You get a free night every year just for signing up for the card, and it includes luxury hotels anywhere in the world.

That’s right: each year, you will receive a Chase Anniversary Free Night certificate, valid at any IHG property worldwide pending availability. This benefit alone is worth the annual fee of $49 that you’ll incur after the first year.

Redeeming the certificate is easy. Just follow the link to printed on the front. Note that your first free night is not earned until after the first full year, unfortunately.

Bottom Line: The Chase IHG® Rewards Club Select Credit Card offers a free night every year on your anniversary, but you won’t get your first free certificate until your first full year is complete.

Get Even Better Value with PointBreaks Stays

As a card member, you can redeem points for PointBreaks awards. That means that instead of needing 10,000-50,000 points to book a 1-night stay, you get a room at any IHG hotel on the PointBreaks list for only 5,000 points.

There is a 2-month rotating roster of hotels on the list and a limit of 2 PointBreaks Reward Nights reservations per hotel.

While the majority of hotels on the list are lower-tier brands, sometimes you can find higher-tier hotels such as Crowne Plaza, Intercontinental, and Hotel Indigo.

Bottom Line: Get PointBreaks awards and save hard earned points  from your spending on the Chase IHG® Rewards Club Select Credit Card.

Card Drawbacks and Alternative Cards

The biggest complaint people have about the Chase IHG® Rewards Club Select Credit Card is that it’s difficult to earn points. While it’s true that you earn 5x the points for IHG hotel stays, it’s not as easy to earn valuable points for other purchases.

For instance, members earn 2x the points for every $1 spent at grocery stores, gas stations, and restaurants.

In comparison, the Hilton Honors™ Card from American Express awards 5x points at U.S. supermarkets, gas stations, and restaurants.

While the IHG 2x earning rate compares in number to say the Chase Sapphire Preferred® Card, the points are much less valuable. Therefore, to get the same rewards you need many more points.

As an example, you can transfer each point earned on a Chase Sapphire Preferred® Card to a travel partner at a 1:1 rate. That means 2 points is 2 miles. For IHG, you can only transfer to travel partners at a 5:1 ratio or less in equivalent value.

That means you’d need to earn 10 points per $1 to earn an equivalent amount for travel partners. When considering your points earned directly through IHG, this may be worth it.

In general, using points for IHG stays is much more valuable than transferring to travel partners.

Bottom Line: You may find more value with other hotel or travel rewards cards, as some find it tough to earn a lot of points with the Chase IHG® Rewards Club Select Credit Card.

Final Thoughts on the Card

For someone staying in IHG hotels frequently, this will absolutely allow you to earn more points and value than any other travel rewards card.

However, if you end up spending a large amount in the 2x points category, your earned points may not be as valuable as they would be with another card.

Make sure to do some calculations in order to understand your best option.

Don’t forget to add in the value of getting 10% points back when redeeming for an IHG room, however, and consider your Platinum Elite status benefit.

Bottom Line: Overall, the Chase IHG® Rewards Club Select Credit Card is a solid low-priced rewards card that can add at least a little value to your points lineup!

Great Card If

  • You stay at IHG hotels frequently
  • You don’t want to pay transaction fees when traveling internationally
  • You will take advantage of the free hotel night each year

Don't Get If

  • You want a travel card with tons of perks
  • You don’t want to pay an annual fee (after the first year)
  • You want to earn a lot of (valuable) points for everyday spending

U.P. Pro Tips

As an owner of the Chase IHG® Rewards Club Select Credit Card, you can earn bonus points for hotel stays and everyday purchases, and take advantage of points rebates.

Think about it: you can earn as many as 2-5 extra points per dollar by using your IHG credit card, then the 5-10 from IHG, and possibly more for other bonus offers.

This could bring your earnings up to 10-20 extra points per dollar!

Also note the 10% points rebate increases the equivalent earnings rates to 5.5x at IHG, 2.2x at gas stations, dining, and supermarkets, and 1.1x everywhere else.

Not bad at all!

IHG 10 Percent Rebate Multiplies Your Rewards
The equivalent earnings rate using the Chase IHG® Rewards Club Select Credit Card for redemptions in the hotel adds an extra 10% on top!

How To Use Chase IHG® Rewards Club Select Credit Card: The Upgraded Way™

Best Way To Maximize Points

There are plenty of different ways to utilize your Chase IHG® Rewards Club Select Credit Card in order to earn points and get closer to your next free night.

Here are some tips to get you started earning more IHG points:

Tip #1: Earn your sign up bonus by spending the required amount in the allotted time as detailed in the card summary table.

Tip #2: Always pay for stays at any of the 4,900 IHG hotels with your card to earn 5 points for every $1 you spend. Plus, as a Platinum Elite member, you get a 50% bonus on IHG stays.

Tip #3: Work to accrue 75 nights or 75,000 points to reach Spire Elite status, and get a 100% bonus on IHG stays.

Tip #4: Make all of your regular purchases with the card to earn 2 points for every $1 you spend at supermarkets, gas stations, and restaurants, and 1 point per $1 for everything else.

Tip #5: If you can’t fly United, fly one of the Star Alliance members so you can earn United Elite Qualifying and Award Miles.

Tip #6: Keep an eye out for IHG Rewards Club promotions throughout the year. You can use these deals to earn bonus points for stays as well as bonus points on top of your normal earnings rates!

Keep an Eye Out for IHG Bonus Rewards
Keep an eye out for IHG bonus rewards offers! You can earn bonus points for stays on top of your normal earnings rates.

Best Way To Redeem Points

There are many ways to redeem points with the Chase IHG® Rewards Club Select Credit Card. The trick is to get the best rewards for the fewest points.

Points & Cash Redemptions

If you don’t have enough points for your desired reward, you have 2 options:

  • Use your existing points and purchase 5,000 more points for $40 to total the required points
  • Use your existing points and purchase 10,000 points for $70 to reach the required points

The following table shows the cost per point when you buy points this way:

Existing Points Points Purchased Points Price Price/Point
45,000 5,000 40 .008
40,000 10,000 70 .007

*One-Night Stay: 50,000 Points

Points to Miles Redemptions

Whenever possible, we try to examine the transfer of points to airline travel partners, as they tend to be the most valuable.

You can redeem increments of 10,000 points for miles with one of the IHG partner airlines. While there are no blackout dates, the redemption value is about 30% less than that of hotel stays.

The following table shows the redemption awards for many of the IHG airline partners. You can redeem points for airline miles but cannot convert miles back to points, as with most hotel loyalty programs.

Also note this will prevent you from taking advantage of the 10% IHG Rebate.

Airline 10,000 pts=
Aeromexico 2,000 miles
Air China 2,000 km
Air France 2,000 miles
Airberlin Topbonus 2,000  miles
Alaska Airlines 2,000 miles
All Nippon Airways 2,000 miles
American Airlines AAdvantage 2,000 miles
Asia Miles 2,000 miles
Asiana Airlines 2,000 miles
British Airways 2,000 Avios
Delta SkyMiles 2,000 miles
El Al Israel Airlines 40 El Al Points
Emirates 2,000 miles
Etihad Airways 2,000 miles
Hawaiian Airlines 2,000 miles
Japan Airlines 2,000 miles
JetBlue TrueBlue 2,000 miles
KLM 2,000 miles
LifeMiles 2,000 KM
Lufthansa Miles & More 2,000 miles
Malaysia Airlines 1,500 miles
Qantas Airlines 2,000 miles
Saudi Arabian Airlines 2,000 miles
Singapore Airlines 2,000 miles
South African Airways 2,000 miles
Thai Airways Royal Orchid Plus 2,000 miles
United Airlines 2,000 miles
US Airways 2,000 miles
Virgin Atlantic 2,000 miles
Virgin Australia 2,000 miles

Find the full list of Redeem for Miles-IHG Rewards Club Partner Airlines here. Note that some rewards can take 4-6 weeks to go through.

Other Redemption Options: Gift Cards, Merchandise, and More

IHG allows you to redeem points for various gift cards such as Lands’ End, Gap, Bath & Body Works and much more. Be careful, because the value can be up to 30% less than that of hotel stays!

For example, a $200 Best Buy gift card requires 77,000 points, while a $50 Walmart gift card requires 20,000 points. Your point value will only be $0.0025-$0.0026 redeeming this way, and we want to aim for $0.01 at the bare minimum.

Click here for a complete list of gift cards.

You can also redeem points for Catalog Awards (jewelry, electronics and more), Digital Awards (eBooks, games, software, and more), purchase points as a gift, and transfer your points to another member’s account.

Finally, if you’re feeling generous, you can donate points to the IHG Shelter in a Storm disaster relief program, which is a great way to help a good cause while getting rid of extra points.


IHG has many travel partners worldwide, including the following companies, all of which help you earn points.

IHG Global Brands: Holiday Inn, Holiday Inn Express, Holiday Inn Resort, Holiday Inn Club Vacations,
Staybridge Suites, Candlewood Suites, Crowne Plaza, Hotel Indigo, InterContinental, KIMPTON*. EVEN, and HUALUXE

*KIMPTON is not yet a member of IHG Rewards Club

IHG Rewards Club Partners: IHG Rewards Club Cruises, Ground Link, Hertz, Uber

Card Math

Let’s delve further into the value of the Chase IHG® Rewards Club Select Credit Card. We’ll compare the cost and benefits from a financial perspective to see how the card does.

A Quick Recap of the Card

First up, here is a summary of the card with regards to annual fee and point earning categories:

Annual Fee Hotels Restaurants, Supermarkets, and Gas Stations Everything Else
$0 first year, then $49 5x 2x 1x

Other ways to earn points:

  • Earn the sign up bonus
  • 50% bonus points on stays as Platinum Elite member
  • 10% rebate when redeeming points for hotel stays

Earning Points Quickly: How Many Points Will a $200 Stay Earn?

The following table shows how you can rack up points with a $200/night stay at a Holiday Inn & Suites.

5 points/$1 for paying with the card 1,000 pts.
10 base points/$1 as IHG Reward Club member 2,000 pts.
50% bonus on base points as Platinum Elite member 1,000 pts.
TOTAL 4,000 pts.

That’s 4,000 points for a one-night stay. This gets you almost halfway to 10,000 points, which is the minimum amount for redemption. One exception would be PointBreaks rewards, which start at just 5,000 points per night!

Showing the Full Potential of the Card with the Model Spending Families

Of course, we want to show you how much you could earn using our model spending families to help you see where the value of the card would fall for you.

The following table shows how their spending fits into each of the categories that the card earns points in:

Family Hotel (5x) Supermarkets (2x) Gas Stations (2x) Dining (2x) Everything Else (1x)
Kennedys $1,800 $7,000 $2,600 $8,000 $3,200
Jetsons $6,000 $7,000 $3,600 $12,800 $7,000
Hartnells $10,500 $15,000 $4,800 $5,000 $9,800

Next, we will multiply the spending by each of the earnings rates and calculate how many point are earned in total over the year. In addition, we will calculate how many free nights this translates to each year:

Family Total Points Earned Number of Free Nights at IHG (Minimum) Number of Free Nights at IHG (Maximum)
Kennedys 47,400 2 9
Jetsons 83,800 2 16
Hartnells 111,900 2 22

All the families earned a minimum of 2 free nights, which is calculated at the highest rate, or the highest quality of room.

For instance, the Kennedys can redeem 1 room for around 40,000 points, and still have enough left for a 5,000 PointBreaks award.

The Value of Free Rooms at IHG

If we consider that a room could start at about $79 at an IHG property near a big city, then you can immediately see that you’ll make up for the $49 annual fee pretty easily.

Applying $79 as the minimum room value, then the families could earn $158-$1,738 in value from the Chase IHG® Rewards Club Select Credit Card each year!

This is certainly better than using a debit card!

Don’t forget that when redeeming, you’ll be able to get 10% of your points back, up to 100,000 points per year. So you’ll have an extra 10% in value returned to you, which equates to $15-$173 extra!

Use Your Chase IHG Card to Earn Rewards
If you use your Chase IHG® Rewards Club Select Credit Card for all your shopping, you could earn anywhere from $150 to over $1,700 in free night rewards!

Card Math Conclusions

So it seems we can conclude that the Chase IHG® Rewards Club Select Credit Card has the ability to provide you value back for your spending every year, and enough to offset the $49 fee.

To get there, you must use your card at all IHG hotels for stays, in addition to gas stations, supermarkets, and restaurants to earn your points.

There may be other cards that provide a higher overall value to you, but it will be up to you to decide!

The Gritty Details: Everything Else You Need To Know

The card is pretty basic, so there aren’t many details to worry about. Your annual fee is waived for year 1, you get 10% rebates when you use your points for redemptions, and a free night every anniversary year.

Note that “anniversary year” means 12 months after you open the card, and then every 12 months afterward.

There are no foreign transaction fees, and you’ll get Platinum Elite status as long as you’re a cardholder. This status gives you a 50% bonus on points earned when staying at IHG, room upgrades, and more.

One bonus at IHG is you can earn 500 points for waiving housekeeping services during your stay.

Other Unique Features

Here are some details on the benefits of the Chase IHG® Rewards Club Select Credit Card. Note that there are no insurance or other protections that come with this card, unlike some of the other Chase Travel Rewards cards.

Anniversary free night – After your first 12 months of being a cardholder, you will receive a voucher for 1 free night at an IHG property at a standard rate.  There may be some limitations and blackouts.

10% point rebate – When you book an award with an IHG property, you will receive 10% of the points it cost to book that award back as a rebate. So if you spend 10,000 points on a room, you’ll get 1,000 points back.

Other Discounts at IHG:

Seniors: Members 62 years of age or older get a special senior discount.

Auto Club: Auto Club members enjoy extra savings at IHG hotels.

Photo Credits/Credit/Copyright Attribution:
Couple Hanging in Hotel Room: dotshock/Shutterstock
3 Glass Jars with Coins: urfin/Shutterstock
Girl Looking Onward with Spyglass: Sunny studio/Shutterstock
Couple Using Credit Card at Store: LuckyImages/Shutterstock

Chase Sapphire Preferred® Card

Here are 9 best ways to use 60,000 Chase Ultimate Rewards points (including round-trip to Hawaii for 2 people!)

And – discover 10 of the most valuable benefits you’ll get access to as a cardholder


Why get a Chase IHG® Rewards Club Select Credit Card? Is it worth it?
The card allows you to earn extra points toward award nights at IHG hotels when spending at gas stations, supermarkets, restaurants, and IHG hotels.

You will earn 2x points for the first 3 categories and 5x points at IHG hotels. You will earn 1 point per dollar for all other purchases.

The card is worth it if you will utilize it for all of your spending. At our model family levels of spending, you could earn anywhere from $158 to over $1,738 in room value over the course of a year.

If you utilize these spending categories and stay at IHG hotels frequently, this card would definitely be worth it!

What are the Chase IHG® Rewards Club Select Credit Card benefits?
There are only 2 benefits that come with the card, but they can be valuable if utilized fully. First, you will get a 10% rebate for all redemptions on rooms at IHG hotels.

This means that a 20,000-point room will only end up costing you 18,000 points because you will get 2,000 points deposited back into your account after redeeming.

The other benefit is Platinum Elite status in IHG. With this benefit, you’ll get a 50% bonus on all base points earned during your stay at IHG, complimentary room upgrades, and access to Elite Rollover Nights.

Compared to some other travel rewards cards, you don’t get very many benefits, but this card also has a low annual fee.

When do Chase IHG® Rewards Club Select Credit Card points expire?
IHG points will expire after any period where there is no earning and redeeming activity on the account for 12 months or more.

What is the Chase IHG® Rewards Club Select Credit Card annual fee?
The card costs $49 per year, but that fee is waived during the first year.

Is there a foreign transaction fee on the Chase IHG® Rewards Club Select Credit Card?
Nope! There are no foreign transaction fees with this card, so you can use it at any foreign property without incurring additional charges.

What is the Chase IHG® Rewards Club Select Credit Card login?
You manage your credit card finances through Manage all the IHG points you earned and redeem your points through the IHG Rewards Club account portal.

Which is better, the Chase IHG® Rewards Club Select Credit Card vs. Chase Marriott Rewards® Premier Credit Card?
Both cards earn points in slightly different categories. The IHG credit card earns points at supermarkets, restaurants, gas stations, and of course at IHG properties.

The Chase Marriott Rewards® Premier Credit Card earns points through airlines, restaurants, and car rental agencies, as well as Marriott properties.

They both share restaurants, but the others differ. So depending on your spending categories, you may find one or the other a better choice. In general, Marriott points provide slightly higher value than IHG points.

Which is better, the Starwood Preferred Guest® Credit Card from American Express vs Chase IHG® Rewards Club Select Credit Card?
The Starwood Preferred Guest® Credit Card from American Express earns 1-2 points per dollar compared to the IHG credit card’s 1-5 points. However, the value of SPG points is higher than that of IHG points.

Typically, SPG points can be redeemed for a 25% bonus if you transfer 20,000 points to an airline partner. So the 1x earning rate becomes a 1.25x equivalent when converting it to miles earned.

For the IHG card, points can be transferred at a 5:1 ratio with no bonus. That means that the 5x earning rate converts to just a 1x earning rate, and the 2x earning rate converts to a 0.4x earning rate.

The Starwood Preferred Guest® Credit Card from American Express doesn’t give you much better benefits, although if you use Boingo WiFi then you’ll find the complimentary global WiFi benefit helpful.

Overall, the Starwood Preferred Guest® Credit Card from American Express is likely the more valuable card, but if you spend a lot in the bonus categories on the Chase IHG® Rewards Club Select Credit Card and also prefer IHG hotels, then you should get this card!