IHG One Rewards Credit Card

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

This credit card is not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card, or (ii) previous cardmembers of any personal IHG One Rewards Credit Card who received a new cardmember bonus for any personal IHG One Rewards Credit Card within the last 24 months.

New Cardmember Bonus – 125,000 Points: To qualify, you must make $2,000 in purchases during the first 3 months from account opening. After qualifying, please allow 6 to 8 weeks for bonus to post to your IHG One Rewards account. To be eligible for this bonus offer, your credit card account must be open and not in default at the time of fulfillment. Purchases are when you, or an authorized user, use a card to make purchases of products and services. However, the following types of transactions won’t count as purchases: balance transfers, cash advances, cash-like transactions including, but not limited to: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; lottery tickets, casino gaming chips, race track wagers, or similar offline and online betting transactions; person-to-person money transfers and account-funding transactions that transfer currency, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Chase may close your credit card account or suspend your right to use your credit card account, at any time for any reason, including account inactivity.

10,000 Bonus Points After You Add An Authorized User In The First 3 Months From Account Opening: You will qualify and receive 10,000 bonus points after your addition of an authorized user to your account during the first 3 months from account opening. 10,000 bonus points will only be awarded once, for the first authorized user added to your account regardless of how many total authorized users you add to your account. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default, and authorized user must be on your account at the time of fulfillment.

Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. Bonus rewards will post directly to your partner loyalty program account and will not appear on your credit card statement.

Adding Authorized Users: All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score. When you tell us to add a user to your account, you’re confirming that you have a relationship with the person or people whose name(s), address(es), and date(s) of birth you’ve told us, that all their information is correct, and that you have their consent to add them. If Chase determines you’ve given us fraudulent name, address, or date of birth information or did not have such consent, Chase can close this account.

Earning in the Rewards Program: You’ll earn points on purchases of products and services, minus returns or refunds, made with an IHG One Rewards credit card by you or an authorized user of the account; however, the following types of transactions won’t count as purchases and won’t earn points: balance transfers, cash advances, cash-like transactions including, but not limited to: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; lottery tickets, casino gaming chips, race track wagers, or similar offline and online betting transactions; person-to-person money transfers and account-funding transactions that transfer currency, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 5 points ("5X points"): You'll earn 5 points for each $1 spent on qualifying purchases made at hotels participating in IHG One Rewards. Go to ihg.com/terms, as applicable, for a list of hotels participating in IHG One Rewards. You will only receive the accelerated earn of 5 points for each $1 spent from this credit card program. IHG One Rewards is responsible for ensuring all hotels participating in IHG One Rewards are correctly reported to Chase for earn on IHG One Rewards credit card purchases. Additional points received under the IHG One Rewards program for stays at hotels participating in IHG One Rewards will be earned in accordance with the IHG One Rewards Membership Terms and Conditions. 3 points ("3X points"): You’ll earn 3 points for each $1 spent on purchases made in the following rewards categories: grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services. 3 points (“3X points”) by 12/31: You’ll earn 3 points for each $1 spent on purchases that post to your account through December 31, 2026 in the following rewards categories: utilities; internet, cable, and phone services; select streaming services. Purchases posted to your account after December 31, 2026 will earn 2 points for each $1 spent. Delays by the merchant could extend the transaction date beyond December 31, 2026, making the purchase ineligible to earn 3x points. 2 points (“2X points”): You’ll earn 2 points for each $1 spent on all other purchases. Information about earning/transferring points to IHG One Rewards: Points earned during a billing cycle are automatically transferred to IHG One Rewards after the end of each billing cycle. Points expiration: The points transferred to your IHG One Rewards account will not expire as long as there is IHG One Rewards program activity for 12 consecutive months, depending on your status. IHG One Rewards Membership terms and conditions apply. For complete program details, visit ihg.com/terms. Losing points: You’ll immediately lose all points that haven’t been transferred to IHG One Rewards if your card account status changes, or your card account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs. For more information about the IHG One Rewards card rewards program, you can see the latest Rewards Program Agreement at chase.com/ihgonerewardscard/rewardsagreement and it will also be available for cardmembers after logging in to chase.com and will be mailed for new or changed accounts.

Earning Points from IHG on Stays: IHG One Rewards members earn on qualifying stays and eligible charges at IHG^® Hotels and Resorts in the following manner: Members earn 10 points per $1 spent and Silver Elite members earn an additional 2 points per $1 spent (20% bonus), except at Candlewood Suites^® and Staybridge Suites^® where members earn 5 points per $1 spent and Silver Elite members earn an additional 1 point per $1 spent (20% bonus), IHG^® Army Hotels where members earn 3 points per $1 spent and Silver Elite members earn an additional 0.6 point per $1 spent (20% bonus), and IHG^® Residence properties where members earn 2.5 points per $1 spent and Silver Elite members earn an additional 0.5 point per $1 spent (20% bonus). All point deposits will be totaled and rounded to the nearest whole number. Stays must be booked on a direct IHG^® booking channel such as ihg.com in order to qualify. Points earned with your IHG One Rewards membership and Elite status will post directly to your IHG One Rewards account and will not appear on your Chase credit card statement. For complete program details, visit ihg.com/terms.

Silver Elite Status: You qualify for automatic IHG One Rewards Silver Elite status for as long as you remain an IHG One Rewards credit cardmember, and as long as your IHG One Rewards membership account remains in good standing. Please allow 6 to 8 weeks after account opening for the automatic Elite status to be applied to your IHG One Rewards account.

Elite Night Credits each year: You, as the primary cardmember, will receive 5 Elite Night Credits (“ENC”) in your IHG One Rewards account within 6-8 weeks upon opening your IHG One Rewards Credit Card from Chase^®. After that, the 5 ENCs will be deposited into your IHG One Rewards account by February 1 each calendar year. To qualify for ENCs, your credit card account must be open and not in default at the time of fulfillment, your IHG One Rewards account must be active and in good standing in accordance with the IHG One Rewards Program Terms & Conditions, available at ihg.com/terms. ENCs will be counted for purposes of determining Elite membership status and Milestone Rewards under the IHG One Rewards program. For more information on Elite Status, the associated benefits and achieving the different tiers visit IHG One Rewards Membership Terms and Conditions at ihg.com/terms. Chase is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and service.

$15,000 Annual Spend benefits: You, as the primary cardmember, will qualify for Gold Elite Status and 10,000 bonus points after spending $15,000 in purchases with your IHG One Rewards Credit Card each calendar year. Purchases are when you, or an authorized user, use a card to make purchases of products and services; however, the following types of transactions won’t count as purchases: balance transfers, cash advances, cash-like transactions including, but not limited to: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; lottery tickets, casino gaming chips, race track wagers, or similar offline and online betting transactions; person-to-person money transfers and account funding transactions that transfer currency, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Calendar year means January 1 through December 31 of that same year. Delays by the merchant could extend the transaction date. Purchases posted to your account with a transaction date after December 31 will count toward the following year’s spend requirement. After qualifying, please allow 6-8 weeks for these benefits to post to your account. To qualify for these benefits, your credit card account must be open and not in default at the time of fulfillment. Gold Elite Status: After meeting the $15,000 spend requirement, you will qualify for IHG One Rewards Gold Elite Status for the remainder of the calendar year in which you qualify and the following calendar year. To maintain Gold Elite Status your account must be open and not in default. If you do not qualify for this offer, in order to receive Gold Elite benefits you must qualify for Gold Elite Status under the terms of the IHG One Rewards program. Only one IHG One Rewards Credit Card account per IHG One Rewards member is eligible for the Gold Elite Status award. For more information on Elite Status, the associated benefits and achieving the different tiers visit IHG One Rewards Membership Terms and Conditions at ihg.com/terms. Chase is not responsible for the provision of or failure to provide the Gold Elite Status benefits and services.

Redeem Three Nights, Get Fourth Reward Night Free: For the Fourth Reward Night Free benefit means that for each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. If 4th Reward Night Free reservation is cancelled, or check-out occurs before the 4th night, the 4th Reward Night is forfeited and has no cash or point value. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually. Reservations are subject to room availability at participating IHG hotels at the time of booking. You are responsible for all incidental charges such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged. IHG One Rewards Reward Night terms and conditions apply. Offer does not apply to paid stays or Points & Cash bookings. Chase is not responsible for offer fulfillment. After qualifying, please allow 6 to 8 weeks for the benefit to be enabled on your IHG One Rewards account. After December 31, 2026: You will have to meet an annual spend requirement to enjoy this benefit. Each calendar year in which you make purchases totaling $5,000 or more with your IHG One Rewards Credit Card, you, as the primary cardmember, will qualify for Fourth Reward Night Free benefit for the remainder of the calendar year in which you qualify and the following calendar year. Calendar year means January 1 through December 31 of that same year. Delays by the merchant could extend the transaction date. Purchases posted to your account with a transaction date after December 31 will count toward the following year’s spend requirement. Purchases are when you, or an authorized user, use a card to make purchases of products and services; however, the following types of transactions won’t count as purchases: balance transfers, cash advances, cash-like transactions including, but not limited to: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; lottery tickets, casino gaming chips, race track wagers, or similar offline and online betting transactions; person-to-person money transfers and account funding transactions that transfer currency, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.

Save 30% on Points Purchases: Save at least 30% on points purchases when you pay for those points with your IHG One Rewards, Premier, Premier Select, or Business Credit Cards. Point purchase amounts are subject to change by IHG One Rewards. These points are Non-Elite Qualifying points. Upon completion of the points purchase, you agree that the total dollar price of the points, minus the discount, will be immediately charged to your credit card. The cost for the points purchased is non-refundable. The 30% discount cannot be combined with any other points purchase offer. Point purchase transactions managed by Points.com.

Complimentary DashPass: When the membership is activated for the first time with your eligible Chase card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After the complimentary DashPass membership period ends, you will continue to be enrolled and will be automatically charged the then-current monthly DashPass rate (plus applicable tax) on a recurring monthly basis for each membership activated until you cancel. You can cancel anytime on DoorDash or Caviar. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the cardmember must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your eligible Chase card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. DashPass benefits apply only to eligible orders from DashPass-eligible merchants that meet the minimum subtotal requirement (as stated in the DoorDash and Caviar apps and sites with amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 02/01/2025. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Wallet), or memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US.

Earn Up to $10 Off Monthly or Quarterly on DoorDash Non-Restaurant Orders: Once you have activated your DashPass membership for the first time between 09/01/2026 and 12/31/2027, you will receive a $10 off discount each calendar month at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership. If you activated your DashPass membership between 02/01/2025 and 08/31/2026, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership. Please visit your Manage DashPass page to check when you activated your DashPass membership and confirm which discount applies to your account. Discount applies to subtotal only; does not apply to fees, taxes, and gratuity. Fees, taxes, and gratuity still apply. To claim, select the discount from the promotion wallet at checkout, or claim the discount when prompted in the DoorDash app or website. If the full $10 value is not used on a single order, the remaining value will be forfeited. You must use the card used to enroll in your DashPass membership as your payment method at order checkout to receive this discount. This discount may be combined with other order-level promotions, discounts, or deals. The discount will be made available to you in your DoorDash account at the beginning of each month or quarter and will only be available on that platform for the remainder of that calendar month or quarter; the discount will not roll over into a subsequent month or quarter. Once redeemed, the discount will not be refunded to the user regardless of whether the user otherwise receives a refund or credits back on their order. Not valid for the purchase of gift cards. Limit one redemption per month or quarter per person. Merchant and brand exclusions may apply. For orders containing alcohol, the promotional discount is subject to restrictions based on applicable laws. Valid in the U.S. only. Discount has no cash value and is non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US.

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions.

Three (3) Months of Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for three (3) months when the membership is activated on https://www.instacart.com/p/chase-cobrands for the first time with your IHG One Rewards Credit Card between 5/1/2025 and 12/31/2027. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first.) This offer is non-transferable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Wallet), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart+ Membership include $0 delivery fees and reduced service fees. Other fees (including service fee), taxes, and gratuity on orders may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, billed automatically to any active card on file, unless you cancel during your complimentary Instacart+ membership period. You may cancel your paid subscription by selecting “Cancel Membership” on the “Your Instacart+ Membership” page. You will receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+ nor activated the New York Times Cooking subscription offer.
If you currently have a paid Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Unless auto renew is turned off or not selected, your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees of $99/year or $9.99/month, depending on which plan you are enrolled in, will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter. You may cancel your paid subscription by selecting “Cancel Membership” on the “Your Instacart+ Membership” page. You will receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+ nor activated the New York Times Cooking subscription offer. If you have a trial Instacart+ membership, you agree that your complimentary 3-month membership will commence after the conclusion of your trial Instacart+ membership and you agree to the Instacart+ Terms, and you authorize a charge of $99/year, for an annual membership, to be billed automatically to any active card on file after your complimentary 3-month membership ends. Your membership will automatically renew every year to any active payment method you have on file until you cancel. Subscription prices are subject to change.
If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default. Instacart is not a retailer or seller.

Receive one $10 credit per month in the Instacart App: As an IHG One Rewards Credit Card Primary cardmember, you can receive one $10 credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary Chase Instacart+ membership using your eligible Chase credit card on https://www.instacart.com/p/chase-cobrands from 5/1/2025 through 12/31/2027. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. Each monthly credit is only eligible on one purchase of $10 or more made on Instacart.com with one retailer using your IHG One Rewards Credit Card. Any unused portion of a monthly credit will not be available for future use. Eligible purchases will qualify for this credit the month your IHG One Rewards Credit Card is added to your Instacart account and each month thereafter. To qualify for this credit, your IHG One Rewards Credit Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart and Chase reserve the right to remove any unused Instacart credits from your account. Credit will be applied to the total purchase price for all eligible products and excludes taxes, service and delivery fees, tips, special handling fees and/or other fees. Limit 1 credit per order. Excludes restaurant orders powered by Uber Eats. State and Local laws in your area may prohibit alcohol discounts and/or exclude alcohol from this offer’s qualifying minimum spend of $10. If the discount isn’t applied automatically during checkout, alcohol products may not be eligible for this offer in your location. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Credit card product changes during the promotional period will forfeit this offer. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.com with their valid IHG One Rewards Credit Card on file. Only one offer per household. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or post codes.

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Credit Cards for Chase Pay Over Time After Purchase: Participating Chase credit cards include most consumer credit cards and select small business credit cards. For a complete list of participating Chase credit cards, see "Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made" at chase.com/personal/credit-cards/chasepayovertime/faqs/after-purchase. Participating Credit Cards for Chase Pay Over Time at checkout on Amazon.com: Participating Chase credit cards include all credit cards except small business credit cards, Amazon Visa and Prime Visa cards, and Chase Mastercard credit cards.

Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App.

INSTACART^®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

Mastercard, the circles design, World Mastercard and World Elite Mastercard are trademarks of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Most hotels are independently owned and/or operated. The above service marks are the property of IHG^® Hotels & Resorts.

Credit cards issued by JPMorgan Chase Bank, N.A. Member FDIC. Subject to credit approval. Terms apply.