The anniversary free night at properties costing up to 40,000 points is the reason this card stays in a wallet past year one, and against a $99 annual fee it does not take much to come out ahead. The 140,000 point bonus after $3,000 in three months still ranks second on our best signup bonuses list, though it recently came back down from 185,000 after moving three separate times since April. Earning is strong by hotel-card standards: 10x at IHG hotels and only at IHG hotels, 5x on travel, gas, and dining, and 3x on everything else, alongside a $120 Global Entry or TSA PreCheck credit every four years and up to $50 in United TravelBank cash annually. Automatic Platinum Elite status and a fourth reward night free make longer point stays noticeably cheaper. The catch is that all of this value routes through one chain, so if IHG rarely fits your travel, the points will pile up faster than you can spend them.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Up to 26x total points at IHG hotels | 10x |
Travel | 5x |
Gas | 5x |
Dining | 5x |
Everything Else | 3x |
| Benefit | Value |
|---|---|
Points Purchase Discount Save 20% when purchasing IHG Reward Points with this card. | 20% |
Global Entry / TSA PreCheck Statement Credit Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. | $120 every 4 yr |
United TravelBank Cash Receive up to $50 United TravelBank Cash each calendar year after registering with MileagePlus account. | $50 /yr |
DoorDash Quarterly Discount Up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. | $3 /qtr |
Instacart Credit Receive a $10 Instacart credit monthly (up to $120 annually) plus a complimentary 3-month Instacart+ membership. | $10 /mo |
| Total annual credits | $210 |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |