If you are about to travel to any IHG brand, including Crowne Plaza, Holiday Inn, Indigo, Intercontinental or Kimpton, the IHG co-brand can save you hundreds of dollars each year.
These three IHG cards are currently available for limited time, with the second and third cards offering the highest bonuses ever.
Let’s check the welcome quotes and determine which IHG reward card is best for you.
IHG compares a credit card welcome offer
| card | Welcome offer | Reward Value* | Annual fee |
|---|---|---|---|
| IHG Reward Prime Minister Credit Card (See rates and fees) | Earn 165,000 bonus points after spending $3,000 on purchases from the first three months of account opening. | $825 | $99 |
| IHG A Reward Traveler Credit Card (See rates and fees) | Earn two free nights (worth up to 50,000 points per night), plus 40,000 bonus points, after purchasing $2,000 from account opening in the previous three months. | $700 | $ 0 |
| ihg reward prime minister business credit card (See rates and fees) | Earn up to 200,000 bonus points: 140,000 bonus points, after purchasing $4,000 from account opening in the previous three months and spending $9,000 in the first six months after the account opening, earning an additional $60,000 bonus points. | Up to $1,000 | $99 |
*Bonus value is based on TPG’s September 2025 valuation and is not provided or reviewed by the issuer.
ihg a reward prime minister
If you stay at IHG Properties at least a few times a year, then the Prime Minister may be the right choice for you.
Welcome bonus: Earn 165,000 bonus points after spending $3,000 on purchases in the first three months of the account opening.
The best quotes we saw on this card are up to 300,000 points (five free nights at 60,000 points per person; no longer available). This makes the current offer less profitable, but improves the 140,000 bonus points of its standard offer.
In addition, the minimum expenditure requirement is relatively low and should be easily achieved.
Annual Fee: $99
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Income rate:
- Spend 10 points per dollar on IHG stay
- 5 cents per dollar for all other trips
- Catering per dollar (including takeout and qualified delivery) and gas stations at 5 o’clock
- All other eligible purchases for every dollar
Why we like it: This card has a free night on every account anniversary, worth up to 40,000 points, and there is a choice of rewards to redeem it for more precious nights.
Other important benefits include free IHG Platinum Elite identity (with a pathway with diamonds), up to $50 per year for United Travelbank cash, and a filing fee of every four years for global entry, TSA Precheck or Nexus, all paying an annual fee of $99.
When you consider the potential value you can get from it, taking into account the useless benefits of the card’s fourth night (when you pay three nights with points and get a fourth reward) is an important consideration. Reward nights start at just 10,000 minutes, from actual choices in the United States to stay abroad in Brazil, Brazil and beyond.
To learn more, check out our full review of IHG One Rewards Premier Card.
Apply here: ihg a reward prime minister
IHG A Reward Traveler
If you only stay for IHG once a year, a traveler may make more sense than the mid-term choice of IHG.
Welcome bonus: Earn two free nights (worth up to 50,000 points per night), plus 40,000 bonus points, spending $2,000 in the first three months of opening an account.
This is the best offer we’ve seen on the card and it’s also the first time that it’s free night as part of the welcome bonus. Free nights plus 40,000 bonus points give you a total value of up to 140,000 points, worth $700 according to TPG’s September 2025 valuation.
Annual Fee: $ 0
Income rate:
- 5 points per dollar IHG stays
- Utilities 3 per dollar, catering (including takeout and qualified delivery), featured streaming services and gas stations
- All other eligible purchases per dollar
Why we like it: This card offers free silver elite identity and is able to earn a fourth night for free on your booking paid with points. Also, the current welcome bonus is perfect for a card without an annual fee.
To learn more, check out our full review of an IHG rewards travel card.
Apply here: IHG A Reward Traveler
ihg a reward prime minister
If you have your own business, you may want to consider the main business.
Welcome bonus: Earn up to 200,000 bonus points: 140,000 bonus points, after purchasing $4,000 from account opening in the previous three months and spending $9,000 in the first six months after the account opening, earning an additional $60,000 bonus points.
Here is a repetition of the best quotes we’ve seen on this card in April. According to TPG’s September 2025 valuation, it’s worth up to $1,000. If you missed this important welcome offer before, it’s time to apply.
Annual Fee: $99
Income rate:
- 10 cents per dollar IHG stays
- 5 points per dollar for catering, gasoline, office supplies stores, search engine advertising, social media and travel
- All other eligible purchases for every dollar
Why we like it: Prime Ministers’ businesses imitate many of the same benefits of personal Prime Minister’s Cards.
For example, the free night prizes annually (worth up to 40,000 points) can peak with unlimited points, and you can also enjoy elite allowances thanks to the automatic Platinum Elite identity that comes with this card. Cardholders can receive another free night prize (maximum value of 40,000 points; be able to get the highest point) after spending $60,000 per calendar year.
Other benefits include reimbursement of application fees for entry to the world, TSA Precheck or Nexus, free free rewards for the fourth night every four years and up to $50 per year in United Travelbank cash.
To learn more, check out our full review of IHG’s reward prime minister’s business card.
Apply here: ihg a reward prime minister
Reasons other than getting an IHG reward card
It’s tempting to add a new card bonus point to your wallet, but these three cards offer a lot of potential value in addition to their initial points.
Elite identity
Each IHG reward card offers free elite identity.
For example, Prime Minister and Main business Cardholders obtain Platinum Elite status.
If you spend more than a few nights a year at IHG Properties, you should be able to recover $99 annual fee on the consumer or commercial version of your Premier card. Platinum Elite Benefits include early check-in and late checkout (as the case may be) and 60% bonus points for IHG stays.
The fourth night’s profit
All IHG reward cardholders will automatically reward for the fourth consecutive night. In short, the fourth night is free when you redeem four or more hours.
The value of this benefit depends on your travel style. This may not be very useful for travelers who book only short hotel accommodations, but it can be very valuable for those travelers who spend enough time to take advantage of this allowance. And, there is no limit on this benefit how many points you can save.
With our September 2025 IHG Points valuation at 0.5 cents, saving you $100 worth of IHG Points with a 20,000-point property.
Related: How to maximize reward redemption through an IHG reward program
Category Bonus
IHG reward cards can help you improve your points quickly, thanks to their reward categories – including gasoline, which can be expensive for many families to buy recurringly.
But it’s better than that. You will also receive a 60% bonus on IHG Hotel Stays thanks to Premier and Premier Buns Grant You Aff Platinum Elite identities.
IHG A reward base member earns 10 points per dollar on most properties, so 60% of the elite bonus offers 16 points per dollar on IHG Properties. Add this to the 10 points you earn for each dollar of two cards and you will spend 26 points on these cards on IHG hotel accommodation, which is equivalent to a 13% return (based on TPG’s September 2025 valuation).
Purchase discount
Finally, if you need to get the highest level in your IHG Points balance, you can get a 20% discount when purchasing points with your card. Combined with the ability to get a free night certificate, this revitalization may be convenient if you want to save on the ideal accommodation rewards.
Related: Should you buy IHG points from Chase or transfer rewards?
Application Rules
You can have multiple IHG credit cards, but know that like all other Chase cards, IHG reward cards are subject to Chase’s 5/24 rules. This means that if you have opened five or more personal credit card accounts in all banks over the past 24 months, then Chase is unlikely to approve you.
Please note that if any of these exclusions apply to you, you are not eligible:
- For personal cards: If you currently have a personal IHG reward credit card (which includes an old IHG reward selection credit card; new applicants are no longer available), or you have received a new cardholder bonus for any personal IHG credit card in the past 24 months.
- For IHG business card: You have earned new card bonuses on this card over the past 24 months.
IHG Information A Rewards Choice Credit Card has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Final Guide to Credit Card Application Limitations
Bottom line
Even leisure travelers can benefit from IHG credit cards thanks to the free elite identity and free night certificates you receive every year. Take advantage of current limited-time offers to start IHG Hotel loyalty and ensure the benefits of using all cards to maximize value.
Apply here: IHG Reward Prime Minister Credit Card
Apply here: IHG A Reward Traveler Credit Card
Apply here: ihg a reward prime minister
