Best credit card to use at IHG.
IHG Hotels & Resorts spans about 6,000 properties across 19 brands, anchored by Holiday Inn and Holiday Inn Express on the mass-market end and InterContinental, Regent, and Six Senses on the luxury end. The Chase IHG One Rewards Premier card is one of the highest-leverage hotel co-brands available — its annual free-night certificate (good at any property up to 40,000 points) often pays back the annual fee on a single use, and the fourth-night-free benefit on award stays effectively cuts redemption costs by 25%. Direct bookings at ihg.com or in-app earn points and elite-night credits; OTA stays generally earn nothing. Points value lands around 0.5 cents but redemptions can exceed that on aspirational properties.
- #15.0%10x points
- #25.0%10x points
- #35.0%4x points
- #45.0%4x points
- #5FNBO5x points on travelAirlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code5.0%5x points
- #65.0%5x points
- #74.0%4x points
- #8PenFed Credit Union4x points on travel4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise4.0%4x points
- #94.0%4x points
- #104.0%4x points
- #114.0%4x points
- #12Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap)3.8%3x points
- #133.6%3x points
- #14American Express3x points on hotelsPurchases made directly with hotels3.6%3x points
- #153%
- #16Chase3x points on travelTravel other than Air Canada direct purchases, which earn 3x under the airlines category3.0%3x points
- #173.0%3x points
- #183%
- #193%
- #20Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
Last updated September 14, 2026