How I Get a Fourth Night Free at Thousands of Hotels With This No-Annual-Fee Card

The no-annual-fee IHG One Rewards Credit Card is my favorite hotel credit card — and it’s one most people completely overlook.

It’s especially valuable for one perk in particular, and that’s for unlocking my fourth consecutive award night free at eligible IHG Hotels & Resorts properties. This benefit saves me thousands of points every year through strategically timed 4-night stays at the same property.

IHG One Rewards Card Overview

The IHG One Rewards card is a solid hotel rewards card, particularly for those who frequently stay at IHG Hotels & Resorts. It earns up to 17x points on IHG stays, 3x on dining, at gas stations and grocery stores, and 2x on everything else.

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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.

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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

19.49%- 27.99% 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

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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: 19.49%- 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

We value IHG One Rewards points at 0.5 cents apiece, making this welcome offer worth $625. That is a fantastic return, particularly for a card with a $0 annual fee.

It also provides numerous perks and benefits, including complimentary IHG Silver Elite status (with the option to spend to earn IHG Gold Elite status), a 30% discount on IHG points purchases, trip cancellation and trip interruption insurance, and purchase protection.

What Is the Fourth-Night-Free Perk?

As an IHG One Rewards cardholder, I score the ability to get the fourth reward night free when I redeem IHG points for a stay of 4 or more consecutive nights at the same property — simply by carrying the card. That’s because the fourth night free perk is included with all IHG One Rewards cards.

Know that this benefit applies only when redeeming IHG One Rewards points — not for paid stays or points-plus-cash bookings. However, there is no limit to how many times cardholders can use this benefit each year.

How To Use the IHG Fourth-Reward-Night-Free Benefit

Using the benefit is seamless. All you need to do is log in to your IHG One Rewards account and perform a 4-night award search. When searching, cardholders will see the standard award rates crossed out and replaced with lower figures.

The original rates represent the average nightly cost before the perk is applied, while the updated rates reflect the reduced average after the benefit is applied.

For example, 4 nights at the voco Seoul Myeongdong — in the heart of all the action — can be booked for an average of 28,250 points per night for a total of 113,000 IHG One Rewards points. But when you factor in the fourth-night-free benefit, the rate drops to just 20,500 points per night, or a total of 82,000 IHG One Rewards points.

Although in this example I only saved 31,000 points, worth $155 according to our valuations, this is a major perk courtesy of the no-annual-fee IHG One Rewards card. This benefit provides even more value for higher-end properties, where rates can be as high as 100,000 points per night.

Final Thoughts

The IHG One Rewards card offers numerous benefits, including Silver Elite status and a discount on IHG points purchases. However, its most valuable perk is the fourth-reward-night-free benefit, which allows cardholders to get a fourth night free on stays using IHG One Rewards points.