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.
- #113%26x points
- #28.5%17x points
- #313%26x points
- #45.0%4x points
- #55.0%5x points
- #64.0%4x points
- #74.0%4x points
- #84.0%4x points
- #93.6%3x points
- #103.6%3x points
- #113%
- #12Lead Bank3x points on hotelsHotels (also earns 3x on private charters and luxury car rentals — luxury rentals are merchant-gated, see Atlas terms)3.0%3x points
- #133.0%2x points
- #143.0%2x points
- #153.0%3x points
- #163%
- #173%
- #18Chase3x points on travel (up to $150,000/year, then 1%)Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)3.0%3x points
- #19Navy Federal3x points on travelIncludes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses3.0%3x points
- #203.0%3x points
Last updated May 17, 2026