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IHG® Rewards Club Select Credit Card — Full Review [2024]

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Alex Miller
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Alex Miller

Founder & CEO

295 Published Articles

Countries Visited: 34U.S. States Visited: 29

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Kellie Jez
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Kellie Jez

Director of Operations & Compliance

6 Published Articles 1179 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

IHG® Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
4
Learn More(at Chase's secure site)
  • $0 Intro for the First Year, then $49

  • 17.99% - 24.99% Variable

IHG® Rewards Club Select Credit Card

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!

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
4
Learn More(at Chase's secure site)

 

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.

Card Snapshot

Welcome Bonus & Info

Update: Offers mentioned below for the IHG Select card are no longer available.

This card has been replaced with two new Chase IHG cards. Existing cardholders can keep this card or will receive an updated offer to the new card.

Rewards Center

IHG Rewards Club

Customer Service Number

1-800-621-0555

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

Sign-Up Bonus, Add a User, and Points

Sign up for the IHG Select 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 IHG Select card earns 5x points at IHG hotels, 2x points at grocery stores, gas stations, and restaurants, and 1x points everywhere else!

IHG Select Card Benefits: Points Rebates and Elite Status

There is no shortage of benefits with the IHG Select 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 IHG Select 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.

SCROLL FOR MORE
HotelBase Points per $1
Crowne Plaza Hotels & Resorts10
Hotel Indigo10
Holiday Inn Hotels & Resorts10
Holiday Inn Express10
InterContinental Hotels & Resorts10
Staybridge Suites5
Candlewood Suites5

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 ihg.com printed on the front. Note that your first free night is not earned until after the first full year, unfortunately.

Bottom Line: The IHG Select 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.

Best Way To Redeem IHG Reward Points

There are many ways to redeem points with the IHG Select 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:

SCROLL FOR MORE
Existing PointsPoints PurchasedPoints PricePrice/Point
45,0005,00040.008
40,00010,00070.007

*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. 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.

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.

Best Way To Maximize IHG Reward Points

There are plenty of different ways to utilize your IHG Select 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!

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

Alternatives to the IHG Select Card

The biggest complaint people have about the IHG Select 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.

LIMITED TIME OFFER
Hilton Honors American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Learn More(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.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
70,000 points plus a Free Night Reward
$350
$0
20.99%-29.99% Variable
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 cardapplication.
Good to Excellent (670-850)

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros
  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
Cons
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors Loyalty Program

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.

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

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 IHG Select card.

The information regarding the IHG® Rewards Club Select Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Hilton Honors American Express Card, click here.

Frequently Asked Questions

Why get a IHG Select 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 IHG Select 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 IHG Select 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 IHG Select 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 IHG Select 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 IHG Select card login?

You manage your credit card finances through Chase.com. Manage all the IHG points you earned and redeem your points through the IHG Rewards Club account portal.

Which is better, the IHG Select card vs. Chase Marriott Bonvoy Boundless™ Card?

Both cards earn points in slightly different categories. The IHG credit card earns bonus points at supermarkets, restaurants, gas stations, and of course at IHG properties.

The Marriott Bonvoy Boundless™ Card earns 6 points per dollar at Marriott properties and a solid 2 points per dollar everywhere else.

Depending on your spending categories, you may find one or the other a better choice. In general, Marriott points provide a slightly higher value than IHG points.

Alex Miller's image

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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