20 cards ranked
Best credit card to use at IHG.
HotelsTravel
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
- #55.0%5x points
- #64.0%4x points
- #74.0%4x points
- #84.0%4x points
- #9Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)3.8%3x points
- #103.6%3x points
- #11American Express3x points on hotelsPurchases made directly with hotels3.6%3x points
- #123%
- #13Bank of America Cash Rewards Securedif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #14Bank of America Customized Cash Rewardsif you select itBank of America3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row3%
- #153.0%3x points
- #163%
- #173%
- #18Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
- #193.0%3x points
- #20Venmo Credit Cardif it’s your top categorySynchrony3% on travel if it's your top eligible spend category that cycleAutomatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.3%
Last updated July 28, 2026