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Last Chance: IHG Credit Card Welcome Offers up to 200K Points

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Juan Ruiz
Updated: 
Edited by: Ryan Smith
& Jestan Mendame
Last Chance: IHG Credit Card Welcome Offers up to 200K Points
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If you’ve been thinking about adding an IHG credit card to your wallet, you have just a few days left to take advantage of some pretty generous welcome offers.

All 4 IHG One Rewards credit cards are offering elevated bonuses of up to 200,000 points, but these limited-time offers are scheduled to end on November 19, 2026, at 9 a.m. Eastern time.

Here’s a look at these impressive offers and which card might make the most sense for you.

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IHG Credit Card Welcome Offers Ending November 19

IHG’s 4 co-branded credit cards are currently showing some substantial welcome offers, ranging from 125,000 to 200,000 IHG One Rewards bonus points. However, there are only a few days left on these big bonuses, as they are scheduled to end on November 19 at 9 a.m. Eastern time.

These cards also underwent several changes to their benefits and structures recently, so it’s worth taking a closer look at what each one offers before applying.

» Related: 30 Best Ways To Redeem IHG One Rewards Points for Maximum Value

IHG One Rewards Credit Card

LAST CHANCE
The New IHG One Rewards Credit CardTerms Apply / Rates & Fees
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.

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.
Earn 125,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. Offer ends at 9AM EST on 11/19/2026.
125,000 points
$625
$0
19.49%- 27.99% 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 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: 19.49%- 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

IHG Rewards Loyalty Program Review

The entry-level IHG One Rewards card comes with 125,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.

With the lowest minimum spending requirement of the lineup, this card is a good option if you want to earn IHG One Rewards points without having to spend as much to earn the welcome bonus.

» Related: The 17 Best Benefits of the IHG One Rewards Credit Card

IHG One Rewards Premier Credit Card

LAST CHANCE
The New IHG One Rewards Premier Credit CardTerms Apply / Rates & Fees
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.

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.
Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Offer ends at 9AM EST on 11/19/2026.
180,000 points
$900
$150
19.49%- 27.99% 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 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: 19.49%- 27.99% Variable
  • Foreign Transaction Fees: None

The IHG Premier card is offering 180,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

It also comes with valuable perks, including an annual free night certificate worth up to 50,000 points, up to $100 in annual dining credits, a $100 airline credit, and 15 Elite Night Credits each year. You’ll also get automatic Gold Elite status, plus the ability to earn Platinum or Diamond status through spending.

If you’re a frequent IHG guest, this could be a nice opportunity to boost your balance to aid with a future stay and earn some useful perks along the way.

» Related: The 25 Top Benefits of the IHG One Rewards Premier Credit Card

IHG One Rewards Premier Select Credit Card

LAST CHANCE
The Brand New IHG One Rewards Premier Select Credit CardTerms Apply / Rates & Fees
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.

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.
Earn 200,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening. Offer ends at 9AM EST on 11/19/2026.
200,000 points
$1,000
$350
19.49%- 27.99% 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: 19.49%- 27.99% Variable
  • Foreign Transaction Fees: 

The IHG One Rewards Premier Select card is the most premium of IHG’s offerings and also has the largest welcome bonus offer in the pack. New cardholders can earn 200,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Though this new IHG co-branded card does have a $350 annual fee, it features a robust set of benefits, including a free anniversary night, automatic IHG One Rewards Platinum Elite status, and various statement credits, including an airline credit and food and beverage credits at IHG resorts.

If you’re an IHG loyalist and are looking for a card that packs a serious punch, this one might be worth considering.

» Related: 29 Benefits of the IHG One Rewards Premier Select Credit Card [2026]

IHG One Rewards Business Credit Card

LAST CHANCE
The New IHG One Rewards Business Credit CardTerms Apply / Rates & Fees
The New IHG One Rewards Business Credit Card

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.
Earn 190,000 Bonus Points after spending $5,000 on purchases in the first 3 months from account opening. Offer ends at 9AM EST on 11/19/2026.
190,000 points
$950
$200
19.49%- 27.99% 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 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: 19.49%- 27.99% Variable
  • Foreign Transaction Fees: None

Small business owners aren’t left out. The IHG One Rewards Business card offers 190,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

This is a solid option if you own a business, regularly stay at IHG hotels, and want to turn everyday business expenses into future stays. Just like some of the others in the lineup, this card comes with an annual free night certificate, dining credits, airline credit, automatic elite status, and up to $100 in Expensify credits.

Additionally, cardholders earn up to 26x points at IHG properties — a nice return on stays.

Hot Tip:

We value IHG One Rewards points at 0.5 cents apiece. That makes 200,000 points worth $1,000; 190,000 worth $950; 180,000 worth $900; and 125,000 worth $625.

Final Thoughts

Whether you’re a frequent IHG guest or just looking to earn a large stash of points for future hotel stays, these increased welcome offers are definitely worth a look. With bonuses as high as 200,000 points and varying benefits across the 4 cards, there’s something for everyone.

Just remember that these limited-time welcome offers end on November 19, 2026, at 9 a.m. Eastern time, so don’t wait too long if you’ve been thinking about applying.

Featured Image Credit: Africa Studio via Adobe Stock, modified by Upgraded Points
Juan Ruiz's image

About Juan Ruiz

Juan is a leading expert in credit cards, loyalty programs, and airlines and hotels, with over a decade of experience helping readers and clients maximize points, miles, and travel value. His insights have appeared in prestigious outlets including USA Today, Travel & Leisure, CNN Underscored, Forbes, and The Points Guy, where he’s known for making complex travel strategies accessible and actionable. As the founder of JetBetter, Juan turns the complex world of points and miles into effortless, high-value travel, guiding clients through award redemptions, uncovering maximum value, and delivering stress-free, expertly planned trips that both travelers and industry insiders rely on.

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