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The 2 personal IHG credit cards, the IHG One Rewards Premier Credit Card and the IHG One Rewards Traveler Credit Card have increased welcome offers that are set to end on September 28, 2023, at 9 a.m. EST.
Here is a look at the details of each new welcome offer, along with everything you need to know about both cards to help you decide which makes more sense for you.
With the IHG Premier card, you can earn 140,000 bonus points, plus a $100 IHG statement credit, after spending $3,000 on purchases in the first 3 months from account opening. Since we value IHG points at 0.5 cents apiece, this bonus is worth $800 in our view when you factor in the statement credit.
As for the IHG Traveler card, you’ll earn a welcome bonus of 80,000 bonus points, plus a $50 IHG statement credit, after you spend $2,000 on purchases in the first 3 months from account opening — yielding a value of $450 based on our valuations.
Here is how you’ll earn points towards your next vacation with each IHG card:
| Category | IHG Premier Card | IHG Traveler Card |
| IHG Stays | Up to 26x points | Up to 17x points |
| Dining | 5x points | 3x points |
| Gas Stations | 5x points | 3x points |
| Travel | 5x points | 2x points |
| Utilities, internet, cable, phone, and select streaming services purchases | 3x points | 3x points |
| All Other Purchases | 3x points | 2x points |
Of course, there are more ways to earn IHG points than just using one of the IHG credit cards. Read through our dedicated guide to learn the best ways to earn IHG points.
Aside from earning points, what really separates these 2 cards is the benefits that they offer.
| Benefit | IHG Premier Card | IHG Traveler Card |
| Annual Fee | $99 | $0 |
| Complimentary Elite Status | IHG Platinum Elite status (Diamond Elite status after spending $40,000 on the card in a calendar year) | IHG Silver Elite status (Gold Elite status after spending $20,000 on the card in a calendar year) |
| Anniversary Free Night Certificate (Up to 40,000 points) | Yes | No |
| Fourth Night Free on Award Stays | Yes | |
| Global Entry, TSA PreCheck, or NEXUS statement credit | Yes | No |
| $50 Annual United Airlines TravelBank Cash | Yes | No |
| Annual Spend Bonus | $100 statement credit and 10,000 bonus points after spending $20,000 on the card in a calendar year | 10,000 bonus points after spending $10,000 on the card in a calendar year |
| Point Purchase Discount | 20% | |
| Coverages | Baggage delay insurance, Lost luggage reimbursement, Purchase protection, Trip cancellation/interruption insurance |
Unsurprisingly, the IHG Premier card offers better benefits than the IHG Traveler card when you consider that it comes with complimentary IHG Platinum status, an anniversary free night certificate, a Global Entry, TSA PreCheck, or NEXUS statement credit, and more. But with those added benefits comes a $99 annual fee.
Hot Tip:If you’re a business owner, then the IHG One Rewards Premier Business Credit Card is likely to be the best fit for you. Read through our complete guide to learn everything you need to know about the card.
Ultimately, deciding which card is better for you will come down to how often you stay at IHG hotels each year and whether or not you’re comfortable with paying an annual fee.
If you’re considering adding either IHG card to your wallet, now is a great time to do so before the increased welcome bonus offers end on September 28, 2023, at 9 a.m. EST.
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
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