Highlights
- Earn 10x IHG One Rewards points on purchases at hotels participating in IHG One Rewards.
- Automatic IHG One Rewards Platinum Elite Status, plus one Free Night Award each account anniversary for a stay of up to 40,000 points.
- When you redeem points for at least four consecutive standard-room Reward Nights, the fourth night is free.
- No foreign transaction fee, plus trip cancellation and interruption, baggage, and purchase protections.
Issuer: Chase
Network: Mastercard
Card type: Credit card
Annual fee: $99 for the primary card
Foreign transaction fee: None
Rewards are IHG One Rewards points. After each billing cycle closes, points earned from eligible purchases are automatically deposited into the linked IHG One Rewards account.
Welcome Offer
The official site currently lists two welcome-offer versions: five 40K Free Night Awards, or 150,000 points.
【September 14, 2026 update】 Five 40K Free Night Awards + 10,000 points:
- Spend $4,000 in the first 3 months for five Free Night Awards
- Add an authorized user within the first 3 months for 10,000 points
Apply via Chase official link 🔗
【September 14, 2026 update】 150,000 IHG One Rewards points:
- Spend $3,000 in the first 3 months for 140,000 IHG One Rewards points
- Add the first authorized user within the first 3 months for 10,000 IHG One Rewards points; this bonus is awarded only once, and that authorized user must still be on the account when the bonus posts.
- Anyone who currently holds any personal IHG One Rewards credit card, or who received a new-cardmember bonus for any personal IHG One Rewards credit card in the past 24 months, is not eligible for this new-cardmember bonus; this restriction does not apply to business card products.
Past welcome offers
【May 1, 2026 update】 185,000 points:
- Spend $3,000 in the first three months for 150,000 points
- Spend $6,000 in the first six months for 35,000 points
【January 28, 2026 update】 175,000 points:
- Spend $5,000 in the first three months for 175,000 points
【September 5, 2025 update】 165,000 points:
- Spend $3,000 in the first three months
【May 30, 2025 update】 Record-high five 60K Free Night Awards:
- Spend $5,000 in the first three months
【January 24, 2025 update】 170,000 points or four 40K Free Night Awards:
- Required spend: $4,000 in the first three months
【July 11, 2024 update】 140,000 points:
- Spend $3,000 in the first three months
Everyday Spending
10x: Eligible purchases at hotels participating in IHG One Rewards. This is the card earn rate; IHG One Rewards membership and Platinum Elite Status may earn separate program points on stays that do not count toward this card’s 10x.
5x: Travel purchases (excluding participating IHG One Rewards hotel purchases that earn 10x), gas stations, and dining, including takeout and eligible delivery. The issuer site does not state a combined cap for these three categories.
3x: Other eligible purchases. Balance transfers, cash advances and other cash-like transactions, lottery tickets, casino chips, race track or similar betting, cheques, interest, unauthorized or fraudulent transactions, and fees of any kind do not earn points.
Benefits & Insurance
- Automatic Platinum Elite Status
As a Premier primary cardmember, you receive Platinum Elite Status automatically while the linked IHG One Rewards account remains in good standing; status usually posts within 6–8 weeks after account opening.
- Anniversary Free Night
Each account anniversary, you receive one Anniversary Free Night that can redeem one standard IHG room night at a redemption level of up to 40,000 points, including taxes and fees; you may top up with your own account points for a higher-category hotel. The stay must be completed within 12 months of issuance. The award cannot be transferred, extended, redeemed for cash, or returned as points. Parking, mandatory resort fees, and other incidentals remain the cardmember’s responsibility, and award nights are subject to availability and hotel cancellation policies.
- Annual $100 Statement Credit
Complete at least $20,000 in eligible purchases in a calendar year for a $100 statement credit. Spend is calculated net of refunds. Balance transfers, cash advances, travellers cheques, foreign currency, money orders, wire transfers, cash-like transactions, gambling, cheques, interest, fraudulent transactions, and fees do not count. The credit usually posts within 6–8 weeks after you qualify; the account must be open and in good standing when it posts.
- Annual 10,000 Bonus Points
Complete at least $20,000 in eligible purchases in the same calendar year for an additional 10,000 IHG One Rewards points. Eligible-purchase and account-status requirements match the annual $100 statement credit; points usually post within 6–8 weeks after you qualify.
- Fourth Reward Night Free
When you redeem points for at least four consecutive standard-room Reward Nights at the same hotel, the first three nights are charged at the points redemption rate and the fourth night is 0 points. You may use this benefit an unlimited number of times each year. Paid stays and Points & Cash bookings do not qualify. If you cancel the reservation or check out before the fourth night, the free fourth night is forfeited. Parking, resort fees, and other incidentals remain the cardmember’s responsibility.
- Diamond Elite Status After $40,000 Annual Spend
If the primary cardmember completes at least $40,000 in eligible purchases in a calendar year, Diamond Elite Status posts through December 31 of the following year; it can take up to about eight weeks after you qualify. The account must be open and in good standing, and each IHG One Rewards member may receive this award from only one IHG One Rewards credit-card account.
- Save 20% on Points Purchased
Purchases of IHG One Rewards points with this card receive at least a 20% discount. The discount cannot be combined with other point-purchase offers. Purchased points are not elite-qualifying points. Transactions are processed by Points.com and point purchases are non-refundable.
- Early Access to IHG Reward Night Sales
When IHG runs Reward Night sales, eligible cardmembers get early access. After signing into your IHG One Rewards account, you can book consecutive Reward Night stays of no more than three nights at participating hotels with the sale discount. Sale dates, early-access windows, and discount amounts follow IHG email terms. Reward Night stays of four or more consecutive nights cannot combine this sale with the Fourth Reward Night Free benefit.
- Global Entry or TSA PreCheck or NEXUS Application Fee Statement Credit
After a primary or authorized user pays a first Global Entry, TSA PreCheck, or NEXUS application fee with this card, you can receive one statement credit of up to $120 every four years. Payment must be made directly to the U.S. Department of Homeland Security, an eligible partner, or a TSA-designated enrollment provider. Third-party payments such as travel agencies or application-assistance services do not qualify. The credit usually appears within 1–2 billing cycles; the account must be open and in good standing when it posts.
- United Credit
After the primary cardmember completes one-time registration and links their IHG One Rewards and United MileagePlus accounts, they receive $25 in United TravelBank Cash around January 5 and another $25 around July 5 each calendar year, for $50 total. Deposits posted in January–June expire on July 15 of the same year; deposits posted in July–December expire on January 15 of the following year. Each IHG account may register only once; eligibility ends if MileagePlus membership terminates.
- Complimentary DashPass
First activation of DashPass with this card between February 1, 2025 and December 31, 2027 earns one year of complimentary membership shared by DoorDash and Caviar. You must use a U.S. address, set this card as the default payment method before activating, and pay for eligible orders with this card. After the complimentary period, membership renews automatically at the then-current monthly rate unless you cancel.
- Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders
After activating DashPass with this card, cardmembers can receive a $10 discount on one eligible DoorDash non-restaurant order each calendar quarter at checkout, while maintaining DashPass membership and paying with the registered card. The discount applies only to the order subtotal, not tax, tip, or other fees. Unused balance does not roll over within that quarter, and the offer is limited to once per person per quarter in the United States.
- Three Months of Complimentary Instacart+ Membership
First activation with this card on the designated page between May 1, 2025 and December 31, 2027 earns one three-month Instacart+ membership per eligible account. You must use a U.S. address; third-party payment accounts, digital wallets, and memberships purchased through third parties do not qualify. After the complimentary period, membership renews automatically at $99/year or the then-current annual rate unless you cancel during the free period.
- Receive one $10 credit per month in the Instacart App
After the primary cardmember activates complimentary Chase Instacart+ with this card during the window above and keeps an active Instacart+ membership, they receive one $10 Instacart credit each month. Each credit applies to only one single-retailer order of at least $10 paid with this card. Unused balance does not roll over within the month. Tax, service fees, delivery fees, tips, and other charges do not qualify, and restaurant orders do not qualify. Unused credits may be removed if the account is closed or in default.
- Chase Pay Over Time
Invited cardmembers can split eligible completed purchases of at least $100 into 3–24 equal monthly payments. There is no interest, but there is a fixed monthly fee. Eligibility is not guaranteed and depends on creditworthiness, credit limit, and account behaviour. Cash-like transactions, fees such as the annual fee, and some promotional or special financing transactions do not qualify.
Travel Insurance
- Baggage Delay Insurance
When all or part of a common-carrier fare is paid with this card and/or redeemable rewards, and checked baggage is delayed or misdirected for more than 6 hours after a covered traveller arrives at the destination, necessary personal items may be reimbursed. After the initial 6 hours, coverage is up to $100 per day for up to 3 days and is secondary; you must report the delay to the carrier first. Hearing aids, dentures, cash and valuable papers, business samples, jewellery and watches, cameras and other electronics, and recreational equipment are among the exclusions. File the claim within 20 days of the delay and submit required documents within 90 days.
- Lost Luggage Reimbursement
When all or part of a common-carrier fare is paid with this card and/or redeemable rewards, checked or carry-on baggage or personal items therein that are lost, damaged, or stolen while in the carrier’s care or during travel may be reimbursed for the difference between actual cash value (replacement cost less depreciation) and any carrier reimbursement. Coverage is up to $3,000 per covered traveller per trip, including up to $500 combined for jewellery and watches and up to $500 combined for cameras and other electronics. New York residents are also subject to a $2,000 per-bag limit and a $10,000 combined limit for all covered travellers on the same trip. Coverage is secondary; report to the carrier first, then file within 20 days and submit documents within 90 days.
- Trip Cancellation and Interruption Insurance
When all or part of a prepaid trip is paid with this card and/or redeemable rewards, and the trip is cancelled or interrupted for a covered reason, reimbursement is the lesser of $5,000 per covered traveller, $10,000 for all covered travellers on the same trip, $20,000 per account per 12 months, or the amount actually paid; reward redemptions are reimbursed in U.S. dollars. Cancellation coverage runs from the initial deposit or booking date through departure; interruption coverage runs from departure through completion. Trips may not exceed 60 days. Covered reasons can include death, eligible illness or accidental injury, severe weather, a named storm warning, a change in military orders, jury duty or subpoena, damage to a residence, quarantine, and an eligible strike. Changes of itinerary, pre-existing conditions, travel-supplier insolvency, and unwillingness to travel because of a pandemic are among the exclusions. Notify the travel supplier immediately, file within 20 days of cancellation or interruption, and submit required documents within 90 days. Coverage is secondary.
Purchase Insurance
- Purchase Protection
When all or part of an eligible item is paid with this card and/or redeemable rewards, and theft, damage, or involuntary accidental parting occurs within 120 days of purchase (90 days for New York residents), reimbursement is the lesser of repair cost, like-kind replacement, the amount charged or paid with rewards, or $500 per item, up to $50,000 per account. Coverage is secondary and may top up amounts not paid by other valid insurance, including deductibles. Animals and plants, antiques and collectibles, motor vehicles, software, items bought for resale or business use, mysterious disappearance without evidence, property in a carrier’s care, cash and tickets, consumables, and used goods are among the exclusions. File within 90 days of the loss and submit documents within 120 days; some incidents may also require an incident report within 48 hours.
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