Best credit card to use at IHG.

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.